When we hear the word online business, we usually think of trading goods or services through the Internet. This is partly true. Doing business online includes selling online but is not limited to that activity only. Doing business online means using information and communication technologies to support all of the activities of a business. This includes email marketing, lead generation, search engine optimization, article marketing, pay-per-click advertising and so much more. Doing business online is synonymous with electronic business, or e-business, which is broader than e-commerce.Some would say that doing business online is the future of business. You do not have to pay for expensive rent in a prime location to sell your products. You do not even have to have your own products. Just apply to some affiliate programs and you are ready to go. Using affiliate programs, marketing the products is all you have to do. You do not have to worry about the efficiency of your supply chain or the number of your inventory.In a way, doing business online lowers the barrier to entry by keeping startup cost down. Renting web-hosting space, for instance, is much cheaper than renting a corner store in lower Manhattan. It also levels the playing field somewhat. In the off-line world, only bigger companies can afford a lot of billboards and marketing in the print media. Smaller businesses cannot compete. In the online world, on the other hand, marketing your products and services is not as expensive. As a result, small businesses can effectively compete with bigger businesses.However, a low barrier to entry means a lot of competitions. This is the downside of doing business online. Care must be taken to ensure that you stand above your competitors. This is usually done through online marketing efforts. Luckily, as already stated above, online marketing is not expensive. You just have to do it right or hire a skilled and competent Internet marketer to do it for you.Online marketing is one of the most important activities that you need to do if you decide to start and doing business online. There are many types of online businesses. Some require a self-hosted website while others do not. Examples of the latter are those built on Yahoo!, eBay and Amazon Stores. There are a lot of other activities that apply only to one or a few types of online businesses. Online marketing, however, applies to all online businesses. You can never go far without it.Starting an online business is a wonderful way to earn money online. It does not take a lot of money to set up an online business. It does not even take as much time as a brick and mortar business requires. But the online businessperson must never forget the importance of online marketing. Click the links below to make your online business more profitable!
Start an Online Business and Earn More Money Online
There is an excessive amount of traffic coming from your Region.
Paid to Travel? Can You Really Get Paid to Travel (or for Free?)
Traveling… ahh yes, doesn’t EVERYONE LOVE TO TRAVEL? Well, I know, I know… the pains of connecting flights, delays, cancellations, dragging luggage a mile across terminals… the hassle of renting cars, fighting traffic in a foreign country (and figuring out which side of the road to drive) and trying to figure out what the guy is telling you when all’s you asked was “where is the bathroom?”… Aside from all of that, is it not the greatest feeling when you can step away from the normal routine, take a few deep breaths and realize you have nothing to do but sit on the beach… your hardest decision is if you’re going to have steak or lobster that night… and your biggest worry is if you have enough sun screen? That’s what traveling is all about… when it transposes us from our everyday lives and places us in a completely new culture… seeing, breathing, eating and dancing to what people 10,000 miles away from you are doing and thinking to yourself “this is the kind of stuff you see on TV”. That’s when it’s all worth it… that’s why traveling is so amazing.But, one of – if not “THE” – biggest obstacles in traveling is that little green piece (or many pieces) of paper called MONEY. Whether you’re trying to visit a friend in Dallas or take your wife to Bora-Bora, it all costs Money-and a lot of it. The days of those Southwest “$49.00″ fares are long gone and even the little weekend getaways whack a dent in your pocket book. There are definitely ways to shave off a few dollars here and there, but no matter how you slice it, traveling is expensive. Not everyone has a cush, 6 or 7 figure salary that allows them to take off 6 day weekends or weeks at a time to party in Ibiza. So, is there really a way to travel-and I mean really travel-and either get paid or travel for “free”??The travel industry is an $8 TRILLION DOLLAR INDUSTRY. Yes, you read that right… that’s Trillion with a capital “T”. So, other than the hotels, airlines and luggage manufacturers, how can you get involved?Let’s take a look at some of the ways you can earn a living, traveling across the world:Flight Attendant: This is actually a great way to visit a LOT of places-FAST. The average flight attendant makes $37,000.00 a year, with the higher level salaries hovering in the $75,000.00-$90,000.00 range. It’s definitely an advantage if you know more than one (1) language. Flight attendants receive a daily per Diem for meals, along with flexible work schedules, discounts on flights, hotels and travel expenses for vacation. The downside is that when you are working, the flight schedule can be grueling-traveling to multiple cities in a 12, 18 or 24 hour time frame. When you finally stop to rest, the urge to go sight-seeing or check out the city, is traded out with the simple need to sleep in a bed. Oh yea, I forgot to mention… have you ever NOT seen a few angry, annoyed or upset people on your plane? Yep, be prepared to deal with those rude customers during your 12-24 hour shift!Commercial Airline Pilot: Same deal with flight attendants, in terms of work schedule, but the pay is much better-depending on the size of the jet and company, you can be making $121,000.00 a year. If you want to go to flight school, pass your minimum 250 hours of flight experience, go for it! Just make sure you have perfect vision and hearing. Again, if you want to make this a career, you will visit cities all over the country (and the world), but be prepared to deal with thousands of customers, weather and equipment problems, grueling schedules and the stress that comes along with the responsibility of flying so many people to different places.Travel Agent: As you may already know, travel agents know all about the best places to visit. They are the middle men between the hotels, airlines, tourism bureaus and the travelers. More than likely, they have an opportunity to visit some of these places so they can see everything for themselves-that’s a pretty sweet perk, eh? Typical salaries are anywhere from $25,000.00 to $35,000.00 and most likely be required to enroll in some sort of training, typically with the Travel Institute.Freelance Writer or Photographer: What a cool job this would be… traveling all over the world… spending your time with various cultures, observing how the people communicate, eat, sleep and worship. You truly are “free”, relaying what you see and experience to the people sitting on their couch, thousands of miles away. Only catch… well, it’s that one thing we talked about a little earlier: MONEY. Obviously, you are not going to get paid before you get to these places, so be sure to plan this out a little bit, stock up some green in your checking account and pick up some pointers on how to express yourself with the pen & paper or with the camera. Try to develop some sort of “following” so you have a good base of people reading and viewing your content. Do not try to fly to India with a thousand bucks and an iPad, expecting to start a travel blog that generates cash, allowing you to wander the world for the next few years. You might as well go to your nearest casino and play blackjack. If you can pull of this occupation (and to those that currently do this), I tip my hat to you-great work!Okay, now that we have gone over a few of the travel “jobs”, you may be saying, “well, I like my job right now and don’t really feel like dealing with all of those people and flying across the country 6 times, only to sleep in Des Moines for the night.” If you’re in between jobs, just out of school or simply want to take a “sabbatical”, why don’t you consider these routes in traveling the world:You Speak English?: Speaking English can provide access to countries in all places across the globe. Some companies offer free room & board in exchange for you to help their employees enhance their English speaking skills and knowledge. There are also programs you can find on the web that well set you up with a certain country and company in order to train their people English. Now that you have your room & board covered, now we just need to figure out how we can pay for food and drink…Start Giving Back: Feeling charitable or want to help others? Why not look to jump on a church mission trip, Habitat for Humanity-International, or if you can take off more time, join the Peace Corps? Obviously, this is not going to be as glamorous as sailing the Mediterranean, island hoping the Greek Isles, but if you want to feel good about helping out people less fortunate-and work hard-pack your bags and sign up for a volunteer opportunity. You will definitely see some places without paved roads, running water and people simply looking for a roof over their head. Giving the less fortunate the simple things we take for granted: food, clothing and shelter, will give you new sense of gratitude, after completing one of these tours.All of these ways to travel are great and all, but how many people have the opportunity to take off extended amounts of time or have the nerve to just walk away from their job and become a commercial pilot or join the Peace Corps? Everyone has a job because it pays the bills and gives us financial security. I don’t know about you, but I am responsible for my wife and three(3) children, thus taking the plunge on the “unknown” is absolutely NOT realistic.So, back to the original question above… How can you realistically travel for free? And when I say, “travel”, I mean, really travel… That means taking a care-free vacation… not having to worry about if you can afford to leave the resort for dinner that night, or buy those extra pair of sunglasses… Care-free travel means doing what you want, when you want and not worrying about the bill when you get back home. Let’s break down a few ways in which we really can travel for free (or as close to it as we can get)… or even better: GET PAID TO TRAVEL!Use Those Points!: You know, I always knew I was going to be thankful for all that money I spent on my credit card. Now that I racked up all that debt, I also racked up all those points! Points I can use towards booking a new flight or maybe pay for my stay at the Bellagio in Vegas… where I can blow even more money!… I’m kidding!… kind of. Whenever you are looking to obtain a new credit card, choose the card that offers the most, when used. Compare the interest rate for charges and cash advances, the annual fees and also the credit card that provides the best rewards. If you fly a certain airline, be sure to input your frequent flyer number to gather those miles. Use travel sites that allow you to accrue points when you purchase flights, hotels, cruises and rental cars. You’re paying for this stuff anyways, so why not try and earn a little more for the next time you want to take a trip?Vacation Packages through a Resort or Company: Very similar to a travel agent, only you are selling pre-packaged vacations at a discount to consumers. Instead of creating a customized travel package based on what and where the customer likes, you are selling a pre-packaged stay at a specific resort or hotel/resort/meal itinerary. They come in all shapes and sizes… and they can be dirt cheap (think: hotel next to Senor Frogs-Cancun during Spring Break), or the Rolls Royce type of trip. Depending on the type of company or resort, there are many perks with the access to all of their locations, with commission schedules pretty generous. There are limitations on the demographic of the clientele and if you are representative a company or resort with mediocre selections-and reviews-then it may put you in a rock in a hard place.Direct Selling with a Travel Company: With this, you really do have the opportunity for the best of both worlds-traveling the world on the cheap (or in some cases, for FREE!) and making money. Typically, people that get involved in this industry already have a full time job and are looking for a better, cheaper way to travel and an additional source of income. It can be extremely lucrative, in terms of creating wealth and a residual income, but a lot of the members simply take advantage of the fact they can generate a few extra dollars every month and access to the premium resorts at wholesale pricing. The direct-sell companies in the travel industry offer 5 star packaged vacations at 2 Star pricing, as well as access to their trip planning website that works like an Expedia or Travelocity. Also, confirm there are ways you can accrue points, when you buy flights, vacations, or even their travel mall, so you can use those points for a free trip. Bottom line: do your research… choose a company that has a great reputation and make sure you have a good support system… thousands of people are catching on to these companies and are really capitalizing on the residual income and extremely low cost of travel.As you can see, traveling for “free” is really only for professional poker players and the kids with enormous trust funds. You are going to have to work one way or another-whether it’s building up a stockpile of cash and funding an overseas trip or jumping into a new occupation on a plane or abroad. There are multiple ways you can get paid to travel, as well as minimizing your travel costs through various companies and resources… it’s all a matter of preference on what you want to do and how much time you have. Traveling can be a life changing experience or simply a much needed time-out from our crazy lives. Whatever you choose, just make sure to not take it too seriously and enjoy yourself!”Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do.”
A Catch-22 In Selling SEO
Any good SEO Internet marketing firm will tell you there are many challenging factors that need to be overcome in selling search engine optimization and social media types of services in today’s market place.The most challenging factors reside in demonstrating the technicality of the SETUP process along with the necessity of ONGOING SERVICES concerning the positioning and ranking of websites to the Generation X and Baby Boomer’s. It isn’t that these particular folks are any less wise or don’t employ current marketing techniques necessary in structuring their specific corporation(s). What is more likely a possibility is: These business owners are dead set against change.
They need much more education concerning SEO, SEM, Mobile and Social Marketing services.Local small business owners or mid-sized company decision makers whom are within — the ladder era of Baby Boomers as well as those folks whom were born in the beginning years of the Gen X age — have been doing business for ten, fifteen even thirty years with what we refer to as Traditional Marketing Methods. Using sales methods, profit methods, marketing methods and methods of developing databases by way of telemarketing, cold calling and classic networking techniques, etc.Throughout the past fifteen to twenty years, marketing and sales have been slowly shifting to the digital dominion with the creation of Internet marketing, search engines as well as the relationship that’s begun with regards to being able to develop associations through social media sites, which is taking people away from using the traditional methods of marketing.To be visible to the entire target market today including all of the demographics and age categories – you must compete on the multi-functional playing field which includes the combination of Internet Marketing, SEO, Local Listings or Google Maps, Social Media, Mobile Applications mixed with some of the above mentioned traditional marketing techniques. Bundled together in such a way as to produce prospects and conversions.Impediment Of Selling SEO to Baby Boomers!As powerful as Internet Marketing, Search Engine Optimization, and Social Media might be, demonstrating these awesome tools to more mature decision makers (i.e. Baby Boomers) is usually a complicated task. Especially being that we as (SEO-ers) are in an intensively growing market with the continuous flow of new IT-SEO and Social Media type businesses popping up everywhere.Not to mention the part-timers attempting to supplement their income and international SEM businesses that vow to provide similar outcomes at a percentage of the price. Without divulging the truth that they have no intentions of attempting to rank for good keyword phrases and social media conversions.This is one of the main reasons why you now have an intrigued but doubtful audience. An audience remaining faithful to their very own conventional ways of marketing and is in desperate need of being educated regarding the Online advertising, marketing and conversion probabilities of SEO, social media and mobile applications.As powerful as these new technologies are: Common myths, thought patterns and unsure feelings, are directly involved when buying SEO and Social Media services by these misinformed Boomer and Generation X clients.Taking in to consideration that not all Boomers and Gen X age entrepreneurs fit this mold but the following are everyday concerns that have been emerging within the SEO, Social and Mobile Media product sales procedure.SEO and Conversion progression??SEO – Some prospects have been known to say something like -”I could find a small Off Shore Company to get these tasks done for around $400 per month as well as getting my business high rankings. Why should I fork out a premium price to your SEO Company that can perform a similar outcome?”Local business owners or any business owner for that matter, is flooded daily with unwanted telemarketing calls and emails. These days a few of these email messages and random calls are from off-shore or mom and pop type SEM and/or Social Media companies offering “The best page rankings” for about $300-$500 per month.They take advantage of unsuspicious company owners with unrealistic Internet perceptions offering proposals cleverly disguised as PPC or promising second-hand services such as Internet search submission. And unfortunately the fact is a lot of the techniques used by “low-end” companies are considered to be using bad SEO techniques.Meaning that the final outcomes they produce through their “almost illegal” methods could actually do more harm then good by having their client’s website penalized by search engines like Google, Yahoo and Bing.And if these companies are following methods approved by the search engines then another trick they try and pull is showing #1 rankings for queries like “auto repair shops in Denver Colorado.” Which has no Local Monthly Searches and no Global Monthly Searches according to the reliable Google AdWords Tool.To some business owners “auto repair shops in Denver Colorado” may appear to be a good keyword phrase since a portion of their clientele fit this category and can view them ranking 1st for that key phrase. The issue is that — that phrase has NO search volume PERIOD. Instead they should use a SEO service like 1st Page Success LLC that can get them ranked for a phrase like”Auto Repair Denver” which brings a much, much more potent 1st page ranking result – having an exact word search of approximately 720 Local and Global Monthly searches. The dilemma here is that they, (as Local Entrepreneurs,) do not understand queries have different quantities.Which reminds me of another issue concerning small business owners. Some are still under the opinion that they cannot be positioned for top level phrases in any case,so the wise action to take is pinpoint the very long particular keyword phrase which only produces a few or as seen above zero searches each month.This is one of the reasons why there are Local Small Business Owners out there today claiming that SEO and Local Business Listings Do Not Work. When in reality if a Small Business Owner invests in an SEO Company that can rank them on the 1st page, in one of the top 4 positions, for at least 3 quality keywords it is going to double or triple their business and change it forever.The Other Side Of The Coin, Are You A Victim?So, now lets look at the other side of the coin, ??where there are several companies getting extravagant sums of money for SEO and Social Media products and services which usually victimize non technically educated local small business owners.There are many businesses around today still charging extravagant fees and one business in Denver comes to mind charging $2895 just to submit a website to top search engines like Google and Yahoo.These days this type of service is needless mainly because sites are already indexed. And if for some odd reason your business wasn’t indexed then the indexing task could be completed in as few as 10 minutes. It is in fact just about sinful but I know of small business owners who have actually purchased these services lacking the understanding of the value associated with what they were actually receiving. This is a shame and justifies the importance of educating the business owners in our markets.What is considered to be a good online consumer experience?Some still believe, if their website has a form somewhere on it along with a “contact us” page that has their address, email and contact number then they are providing a good online consumer experience.Even though some would consider this to be a beginning. In general web sites are developed inadequately or are built on non-sufficient themes,which impede their clientele’s navigation. Another needed aspect of any good website is the call-to-action. A lot of websites out on the World Wide Web do not incorporate even one call-to-action.In addition to all of this, small business owners with websites, a-lot-of-times do not have an understanding of their specific click through and conversion-rates.What some still think in regards to Social Marketing. With regards to Facebook some people believe:
“Young people information, it’s stuffed with games and social events and it’s not something to be used for company promotions.”
With regards to Twitter some people believe: “Tweeting is filled with boring data, that I can do for myself all day long, why would I buy from you?”With regards to LinkedIn some people believe: “Why would I have to insert people I know or that are current customers or business acquaintances?”Influencing Baby-Boomer and Gen Xers to shell out for social, Internet, SEO, SEM and/or Mobile products and services can be a bit of a struggle because frequently these entrepreneurs do not utilize Internet and Social Media Marketing. And by chance ifthey actually do use these services on a rudimentary basis they don’t usually understand the extreme sales potential, of these powerful avenues.Several people who run businesses still observe social media marketing to be complicated and a time consuming task that target audiences outside their specified market.To some business owners, one hundred calls is much more valuable than a hundred or so fans, internet connections or brand new followers. You should understand that some business owner’s idea of social interface is actually the traditional method of networking events, BNI groups and door-to-door visits which is not what people current with social media would consider social interaction.While you can easily calculate SEO and Social Return on investment, there are some whom still are skeptical of this avenue of advertisement. Even though those out dated strategies could easily get decent end results, they may be more expensive and take longer to execute.What most do not understand is that one could endure an enhanced likelihood to convert more prospects if they were to connect with them on-line before they made or scheduled a sales appointment??The Fear of Change & Fear of Inadequacy.Pride – There are many Local Business Owners whom have been in business for 10, 15, 20 years and have been running their businesses using traditional methods of marketing since they began. These business owners are usually under the impression – “If it aint broke, why does it need to be fixed?”This creates an issue that needs to be addressed and overcome before you can successfully market SEO and Social Media products to this older generation. The traditional marketing and sales techniques worked for the past X amount of years and these methods even continue to keep performing at a reduced percentage today. However it is the reduced performance of the traditional marketing methods like the plummeting size of the Yellow Pages that has begun to worry these owners.Fear – Some wander – “What would happen if their company were to pay all this cash for Internet and Social Marketing and end up receiving little to no consequences?”??One of the worries entrepreneurs have concerning SEO and Social Media marketing is that they are afraid of receiving a poor ROI. This is a legitimate dilemma particularly if they have heard of company’s whom went with a cheap SEO provider producing inadequate results, infrequent up-dates and so on and so forth.Efficiency of Selling SEO Services.So taking into consideration the above obstacles, what is an efficient way to sell SEO services? First and Foremost it is absolutely imperative to make it a priority to educate the clientele.
Glazing over topics that your particular prospective client might not seem to comprehend is an injustice. It is vital that you show definite relationships between Web optimization / social media marketing as well as sales.
Be ready for “so what?” Do to mis-representation or lack of due diligence, some small business owners still may disregard the fact that when it comes to SEO and Social Media, “There is No One Size Fits All.” This same group will assume they can get SEO and Social Media at a discounted rate.The fact remains it takes experts hours of time to rank for competitive keyword phrases and once ranked it takes experts hours of time to keep a company ranked for those phrases. And this isn’t even taking into consideration research and development for the best phrases or SEM, LBLO, Social Media development and so on. So if you are not prepared for the “So what” attitude, and your only reply is, “You Get What You Pay For When It Comes To SEO and Social Media.” Then you’ll lose and you will close very few sales.??Also be prepared to come across business owners that want something for nothing. They will want you to promise them you will get them conversions. Since this is just another form of marketing and advertising it is no different than the newspapers and yellow pages of years gone by. Conversions are the business owners responsibility. Getting the site to have a decent CTR is the responsibility of the person or company selling the SEO service.The Legitimacy of SEO and Internet Marketing.A good SEO Company can guarantee they will be able to get a certain percentage of keyword phrases for any Internet campaign ranked on the 1st page of a search engine like Google, Yahoo or Bing. Nor can any legitimate SEO company guarantee conversions. Why? Because conversions are the responsibility of the small business owner to convert the leads generated by good Internet rankings into customers. Not the responsibility of a SEO company.Legitimate SEO Company’s like 1st Page Success have 90 day guarantee’s stating they will get 1, 2, 3, 4 good keyword phrases with good competition ranked organically or for local maps in top search engines depending on the size of the campaign for each of their clients.They also have in place other guarantees for social media and mobile applications. Again, if you don’t have legitimate guarantees and are not prepared to properly address these types of concerns then you’ll lose and close very few sales.The bottom line
Online Education Background Checks: Employers and Student’s First Choice to Legitimacy!
As higher education becomes more of a determining factor in one’s eligibility for all sorts of jobs and the employers are keeping their consent over quality employment, many job applicants are looking for shortcuts to remain competitive in the marketplace. And since the economic halt had started and finding a job become a harsh business, people are trying to get their way out by forging their educational documents or even buying education to fake “diploma mills.” They don’t even know that this could not only humiliate them in front of their prospective employer but also end their career in a gutter. A total loss of time, money and mental peace.Every single employer is now looking for the best employee and they are judging their prospective candidate on the basis of education and the legitimacy of their credentials earned during their study. Employers are keeping a close eye on every single incumbent by running comprehensive education background checks as they knows the fact that educational success reveals a great deal about an applicant’s credentials and motivations; and through education background checks, an employer can get an accurate depiction of their qualifications as well their intentions of playing a role in development of the company.Some Astounding Facts about Forged Education Credentials Caught by Education Background Checks:In 2004, the US General Accounting Office revealed that nearly 200,000 federal employees had at the very least exaggerated education credentials on their resume.
SHRM(Society for Human Resource Management): More than 53% of job applicants falsify information on their resumes; one in four candidates misrepresents his educational attainment.
ADP Hiring Index: 49% of employment, education and or credential reference checks reveal discrepancies in the applicant’s information.
Association of Certified Fraud Examiners: 41% of applicants lie about their education.The above inclination of facts about the defined scenario indicates an increase in the likelihood that employer’s who don’t verify education will hire unqualified personnel. Hiring unqualified personnel, in turn, leads to higher employee turnover, forcing the organization to incur expensive recruiting and replacement costs.The Other Cunning Problem: Online Degree Scams aka Diploma Mills:The second biggest and most souring, surging problem for employers are fake diploma mills which are playing a role in instigating fraud among the innocent people. These online cheap diploma/degree making factories are looting people for fast track degrees.Diploma mills and degree mills as well as various websites, advertise very realistic, physical diplomas and transcripts, which have been found to deceive many employers. Therefore, with the striking statistics of resume fraud, employers should think twice about using physical diplomas as proper evidence of a degree. Because the requirement for education qualification has become so demanding, education fraud is becoming more prevalent, as are the establishments of diploma mills.Consequently, in order to combat education fraud, laws have recently been passed in which companies who manufacture fake degrees and diplomas are considered to have committed a Misdemeanor.Why and How Education Background Checks Can Maintain Equilibrium Between Employers and Job Seekers?Many employers view particular educational qualifications as a key factor in seeking new employees. Moreover, education is a prerequisite for many positions because it ensures applicable knowledge of a subject matter, or more importantly, a required license for the position.Educational history may be the most commonly falsified information on an application or resume. Some estimates place the incidence of resumes containing erroneous education information as high as 30 percent. Clearly, employers should be extremely cautious. And they are not accepting copies of a degree from candidates as proof of their graduation given that it can simply be a clever forgery paid for by the applicant.Education background checks or education verification is the only way to prevention not only for the employers but also for the people who are looking for education but a legitimate one.Current System of Education Background Checks and Degree/ Diploma Verification Are Not Enough!At present, human resource departments in companies directly contact the concerned educational institution and undertake verification. This is no longer a viable solution, considering the increase in the number of recruitment’s, and the time taken for verification. This is also not a fool proof method.
A second method, often adopted by many of the larger corporations, is to outsource their employment verifications to background screening companies, who maintain large personnel databases.Online Education Background Checks is the Most Modern and Guaranteed Way to Nab a Forged Educational Document with a Plus of Diploma Mill Identification: Online education background checks is the system of online degree, diploma and education verification. The system consists of a database of fake colleges and universities and as well as the misdemeanors who faked their documents in past. It is now the best free online resource for the employers as well as for the students, who can check their institutions as well. It’s a killer product for the keen employers as well as for the legitimate education seeking students.Benefits for Employers Using Online Education Background checks:Employers can be able to save themselves from a negligent hiring lawsuit.
Employers can be able to hire the best qualified employee for their respective positions.
Online education background checks are fast then conventional education verification process, enabling an employer to make quick hiring decision.
Online education background checks can save money and good amount of time.Benefits for the Students Using Online Education Background checks:Assurance that the institution is meeting certain educational quality standards.
Reasonable grounds for believing that the institute will continue to meet them.
Assurance that their Degrees will be widely accepted by the employers, professional associations, other colleges and universities.
Belief that their Degree will reap the benefits associated with sound and high-quality educational standards.Concluding Remarks:Falsified education credentials have become a serious issue in the workforce; it breaches the faith on employees who are involved, especially when it can directly affect other employees and the company as a whole. It is also a serious blunder on the part of the employer who should have done proper education background checks; a mistake that could essentially hinder their current position.Education background checks for employment; verify the certification, training, or educational claims of a job applicant. The universities, colleges, vocational schools, etc. are checked to verify dates of attendance and graduation, degrees or certifications obtained, majors studied, GPA, and honors received by a potential job candidate. The verification of education process is an important part of a quality pre-employment background check.Although a federal law has been implemented to target diploma mills that give out phony diplomas, the problem still exists and is far from being corrected. In the meantime, employers and students must remain steadfast about conducting education background checks that include verifying academic credentials and institutions for their legitimacy.The online qualification verification and diploma/degree mill checking system is significant source of help to the employers and students looking for easy and free of cost education background checks.
To Start a Small Business Online – 4 Things That One Needs To Know
If you are keen on starting a small business online then it is really very important that you go about in a systematic manner. There are many people online who invest in to any business without doing any research or having any plan of action. Then they land up getting heart attacks, headaches and lost of investment. To avoid these make sure to follow 4 very important steps before starting an online business.Step 1 – You should have a good knowledge of business before investing into it.While there are many attractive and exciting offers which come in your way on the internet but before you plan to invest into them make sure that you have done a good amount of research and study. If the system is proven your chance to earn profits out of it is really more.Step 2 – You should now what you will be receiving after you invest in to a business.One has to be very clear about what he is going to receive after investing into a small online business. For this you should have a plan of action in place and also implement on it for maximum returns. Only foolish people get into business without any concrete plan of action so do not be amongst them.Step 3 – You should always get into a business which has given proven results.As a matter of fact there can be no business which gives you a guarantee to be successful but if you have a choice in investing into a business always invest into something which has given proven results to most of the people. You should not have any kind of doubts in the system. If you have any mental blocks then it is better not to go ahead with it.Step 4 – Finally the system in which you are planning to invest should offer you a guarantee.There are many systems on the internet that provide a money back guarantee if you do not find their system helpful. This simply shows their confidence about the productivity and credibility of their system. You may think that they might face losses but what actually happens is their sales goes to a great height because of the money back guarantee offer as they win over the confidence of their customers.Make sure to follow these steps to take your online business to the next level.
An Introduction to Personal Loans in Singapore
Singapore is one of the top financial centres in the world and the banks in the island nation offer a wide range of banking products, solutions and services including personal loans. These loans are designed to help the people of Singapore in meeting their financial needs. The interest rates offered can be quite attractive and the customers also enjoy flexible repayment tenures to pay off the borrowed amount. It is not just the banks and financial institutions in Singapore that offer personal loans in Singapore. In fact, there are many licensed and unlicensed moneylenders that offer personal loans in the country.Types of Personal LoansThere are different types of personal loan products that are available in the ‘Lion City’ and they are as follows:1. Term loans – these are traditional loan products that offer the customers with the money they need and also require them to pay back the money with the applicable interest within the term specified in the contract they sign. They are mainly offered by the banks and traditional financial institutions in the country.2. Loans against Credit Card – many of the credit card issuers in Singapore offer their customers with instant cash against the available credit on their card. The loan applications are approved within no time and the money is transferred directly to the bank account of the applicant. In most cases, the customers can avail up to 100 percent of the available credit of their card as a loan.3. Personal line of credit – some of the popular banks operating in the country, such as Maybank, do not offer personal loans and instead they offer a personal line of credit that provides people with access to funds on a monthly basis. It is a type of revolving credit that requires the customers to make monthly payments for accessing more funds.4. Overdraft protection – OCBC Bank and other top banks in Singapore offer overdraft protection facility with their savings account with the help of which they can withdraw more money than that is available in their account. The additional money that is withdrawn is regarded as a loan and the customers are expected to pay it back through equated monthly instalments (EMIs).Banks Offering Personal Loans in SingaporeSome of the top banks that offer personal loans in Singapore are as follows:
The Application ProcessIf you are an adult with a steady income and a good credit score, you can approach any of the banks in the country and apply for a persona loan. You can either visit any of their branches or contact their customer support team. Some of them will also offer you with the option of applying for the loan online on their website.Loan AmountThe amount offered will depend on your annual income, credit history and overall profile as a borrower. You can expect to borrow a higher amount if you have a high annual income along with a lucrative credit score. Similarly, the interest rates offered to you will also depend on the factors mentioned above and you can avail a better rate if you are one of the loyal customers of the bank i.e. if you have already opted for other products offered by the bank.
Is It Better To Get An Auto Loan With A Co-Signer Or Not?
There are a couple reasons it may be better to get an auto loan with a co-signer. If you have not yet established a credit history, you may want to have someone co-sign for you. If you have recently filed bankruptcy or have really bad credit, this may be another reason to get an auto loan with a co-signer.What is a co-signer? A co-signer is a second party that takes on the same responsibility for the auto loan as the person who is buying the car. This may be a parent, other family member or a friend who agrees to sign the car loan papers with you.The co-signee, by law, has full ownership and responsibility for the loan should you as the auto owner default on the loan in any way. If you fail to make the payments, the co-signer will have to make them to avoid damaging their own credit.A co-signee should have an excellent credit rating, along with a high debt to income ratio. A debt to income ratio is a number that the lenders use to determine if the co-signer has enough financial room in their budget to pay all there other bills in addition to your auto loan if necessary.Your auto loan will appear on the co-signer’s credit report just as if it were a loan they took out for themselves. Therefore, to preserve the relationship between you and the co-signer,it is important to communicate and make all the payments faithfully and in a timely manner.Everyone has to start somewhere. If you have never established credit, using a co-signer to get an auto loan can help you begin creating your financial history by building a positive credit score, as well as a strong credit history.Another situation to use a co-signer may be because of a recent bankruptcy. There are times when life hands us situations that take us off our financial track and bankruptcy is necessary. Using a co-signer to get an auto loan may help give you a fresh new start toward rebuilding your credit.It is a good idea in both situations for both you and the co-signee to sit down and go over a few things before making the agreement. Review your financial situation and reveal everything for the co-signer to see. Pull out your check stubs and all your bills for your current financial obligations.Allow the co-signee to be fully aware of this information so he can make a wise choice and possibly help guide you to make better financial decisions. In addition, they can help you decide how much you can reasonably afford for an auto loan. This way, all the cards are on the table and you begin this transaction in an honest and up-front manner.Another great idea will be to include the co-signer on all correspondence pertaining to the auto loan. If there is a website available to track payments, balances and fees, give the co-signer access to this website.Whether you are establishing new credit or rebuilding after a bankruptcy, a co-signee can be a wise choice for your next auto loan.
How Digital Marketing Companies in India Are Helping Businesses Stay Relevant Online
The advent of the internet has opened up novel vistas for doing business. As per a survey, India will have around 500 million internet users by 2017. This creates a fascinating opportunity for businesses to sell their services and products to a growing population of internet users.The internet has brought along with it newer ways of marketing. Obviously, traditional marketing or outbound marketing methodologies that use TV and radio ads, banners, hoardings and print ads in newspapers, magazines, brochures and other marketing collateral, do not work on the internet.Inbound or online marketing, is marketing on the internet or in the digital sphere. It takes into consideration things like page rankings in search engine searches, advertising on search engines, banner ads on other websites, marketing on social media, etc. These marketing campaigns are highly focused and target exactly the audience that a particular business wants to serve ads to.The need to market products and services on the internet has given rise to a new industry – the internet marketing industry. Digital marketing companies in India provide comprehensive digital marketing services for businesses. They usually employ a specialist team of domain experts in search engine optimization (SEO), search engine marketing (SEM), social media marketing (SMM) and social media optimization (SMO).A recent survey noted that 34% of the companies surveyed had an integrated digital marketing strategy and 16% companies said that they use internet marketing on and off. A staggering 50% of the respondents said that they do not have a defined strategy for internet marketing. These numbers suggest that there are still businesses that have not been exposed to the awesome capabilities and powers of internet-based marketing.It is imperative for Indian businesses, in particular, in this age to realize the importance of having an integrated internet marketing strategy if they wish to survive in a highly frenzied and competitive market. Without the help of Digital Marketing Services, they fall short of creating a strategy and face the dangers of seeing themselves become directionless. They will never know their online market share, their current market share will be gained by existing and start-up competitors and they will never have a powerful online proposition.A Digital Marketing Company in India can help businesses harness the power of a robust web-based marketing strategy. The use of novel platforms like the social media can be a game changer as more and more people are using them to engage with brands. It is an excellent place to gain followers, engage with them and serve them relevant and helpful content. Once they become loyal brand followers, targeted ads are served to them to convert them into customers.Online marketing is the present and the future. Businesses staying away do so at their own risk. It’s worthwhile to climb on to the digital bandwagon while the time is right.
Investment Rental Properties: When It’s Time to Buy or Sell
How does one determine when to sell a rental property investment? If you are going to buy rental properties – having a plan in place for the appropriate time to sell is important.I have worked with many individuals over the years and showed them how to buy rental property. There are many things that need to be considered when purchasing for investment purposes. There is also – definitely – a time to sell.How to Buy an Investment Property- Is the property in a convenient location? Is it near shopping, in a neighborhood with good schools, and is it easily accessible to interstates and connecting roads?- Does the potential investment property have a sound foundation? What sort of issues does the home have? If it needs a new roof or the foundation is sunken in and is creating issues within the structure, it might not be a good investment at this time. If the issues are only cosmetic (needs a new bathroom floor, or painting, or carpeting) it may be worthwhile. Inspection reports will reveal the property’s flaws so the buyer and real estate professional can make a good decision.- Do you have enough of a down payment to purchase the rental property so financing will not be an issue? In the current real estate market, most lenders will see a down payment of 40-50% as a good risk. If you can invest 100% into the property – this is even better.- Income gained from the property needs to exceed expenses. Identify a credit worthy tenant, a reliable property manager, and a solid lease to make your property investment profitable. Property management fees are tax deductible.- For residential property investments, single-family homes as well as multi-tenant properties such as duplexes and fourplexes are great ways to build income and wealth. Some investors may want to consider apartment complexes. In this case a commercial property loan will be necessary to obtain financing.- Use depreciation on the investment property as a way to receive an annual tax deduction. Check with your accountant, who will apply the depreciation deduction on the building, appliances — even window treatments. The government still allows tax deductions for accelerated depreciation on properties. Savvy real estate investors use this deduction to increase cash flow and net operating profit on a property.When to Sell a Rental PropertyI have a term for properties that need to be sold: alligator properties. These are properties that are eating the investor alive with carrying costs. When an investor looks at the bottom line on an alligator property – there is no profit – just expenses. An alligator property today may have been a good investment ten years ago. But some individuals will continue to hold a property until it depletes all of the profits they may have made in the first 5-7 years.If a property has sentimental value (it was your first home, or your mother once owned it but now she’s deceased), some investors may tend to want to hold onto it. Having an emotional attachment to an investment property that is supposed to be generating income is not good. Sometimes an individual will hold this type of property even if it is not profitable. It may be time to consider selling this property.- After a certain number of years, the depreciation tax deduction is used up on a property. Ask your accountant when this depreciation is no longer applicable. When the investment can no longer be depreciated – it’s time to sell that property, and purchase another rental.- Consider selling the property and applying the 1031 tax code, so no capital gains tax is imposed on the profits. To paraphrase, the code states that an owner can sell one property in exchange for a securitized piece of property or tenant in common piece of property. Roll the profits from one property into a new investment to increase wealth and maintain it.- On average, in the 12th year of property ownership — it is time to sell an investment. The decision to sell will depend on two factors. 1. Is there enough equity in the property to sell? Or, have you pulled out too much equity in the property? 2. Will the real estate market allow you to sell and obtain a nice profit? Ask a real estate professional for a custom market analysis on the property to see if it’s realistic to obtain a price that nets a nice profit.- Alligator properties are not profitable for a variety of reasons. I am amazed at the number of investors who are not even aware that their property is losing money. If you have a property that might be losing money, then ask your real estate professional or accountant to perform a cost to income analysis. If it is indeed an alligator property — consider selling.Investors buy and sell equities all the time. There is a time to purchase and a time to sell a home as well.