Other Added - Finance

What's New in Internet Marketing- Search Engine Optimization
This article begins a multi-part series of what's new in the world of internet marketing. My hope is that this information will help you with your marketing planning for the coming 12 months.Notes and News about Search Engine Optimization (SEO)According to MarketingSherpa, people are still only spending 10 percent of their budget on SEO and 90 percent of their budget on paid search. In addition, over 70 percent of small business owners do their search engine optimization work in-house (they do it themselves versus hiring someone to do it for them); the same percentage conduct paid search (pay-per-click, etc.) in-house.What does this mean? Small business owners need to learn what works and doesn't work when it comes to SEO and paid search techniques. The cost of paid search continues to rise, so SEO may be a better place to spend your time and money.Most searchers don't scroll down beyond the first screen of sea

you how stable your financial life is and can you weather a storm of unforeseen expenses.

You do not want a blown boiler or doctor bill derailing your financial freedom plan. Having a kitty of cash set aside is important to pay for those unforeseen expenses. But getting your debt to income ratio lower is just as important.

If you lower your total outstanding debt, you should be lowering your monthly minimum payments, thus increasing your free cash flow. WINNER: TIE

Pea

The Lowdown on the JetBlue Credit Card
In the year 2005, American Express partnered with JetBlue Airways, the five-year old low-cost carrier, to provide consumers with a credit card that allows cardholders to earn Award Dollars that can be converted to points under the JetBlue's Flight Gratitude program, TrueBlue.Cardholders are awarded with one Award dollar for every dollar charged to the card, while every dollar charged for JetBlue flights, restaurants, movie theaters, gym memberships, event tickets, and golf green fees earn the cardholders 2 Award Dollars. This stems from the fact that the JetBlue Credit Card aims to encourage their cardholders to spend on fun experiences, in line with their corporate positioning.With this, 200 Award Dollars can be converted into one TrueBlue point, with 100 TrueBlue points redeemable for a free round-trip ticket to any destination of JetBlue Airways. Thus, in order to qualify, cardholders will need to charge $20,000 of purcha

The Debtor's Dilemma
Picture this debt nightmare. You have just created your first net worth statement and you have decided that priority one is to pay down your debt, but you agonize over sending every last cent toward your outstanding debts because you have nothing in savings. You also have read 68 books on personal finance and know that you are supposed to have at least 3 to 6 months set aside in an emergency fund just in case you have, well, an emergency.
So what do you do?
I come across this question so frequently, that I had to write an article addressing the situation.
An emergency fund is definitely a must have in terms of financial security. You really should NOT start investing in anything until you have set aside some money for the unforeseen expenses that are part of life.
On the other hand, you also know that paying down high interest loans and credit card debt is also an important step toward building your secure financial house.
So which is better: paying down your debt or building your emergency fund?
And which is best for you? Read on to find out.
In order to answer the question of which option is better, paying down your debt of funding your emergency fund, I think you have to look at three main areas: Return on Investment, Stability and Peace of Mind
Return on Investment
If you pay down debt with your extra monthly cash flow, you will get a better return on your money than if you funneled it into a low-risk, low interest paying savings or money market account. When you pay down high credit card debt you are effectively earning whatever rate of interest your credit card charges you.
If you are paying 15%-20% interest on your cards, I hardly think there is anyone who could come up with an investment option that would provide those returns guaranteed.
WINNER: Paying down your Debt
Stability
What do I mean by stability? I mean to ask you how stable your financial life is and can you weather a storm of unforeseen expenses.
You do not want a blown boiler or doctor bill derailing your financial freedom plan. Having a kitty of cash set aside is important to pay for those unforeseen expenses. But getting your debt to income ratio lower is just as important.
If you lower your total outstanding debt, you should be lowering your monthly minimum payments, thus increasing your free cash flow. WINNER: TIE
Peac
Basic Search Engine Optimization - Beyond The Mystery And Right To The Facts
Search engine optimization has long been the Holy Grail of Web marketing. Every website owner wants to see their sites rank well in the top engines, but exactly how to achieve this remains a mystery for most marketers.The first thing I want to point out is this fact: The exact algorithms used by the major search engines are actually proprietary, so anyone who doesn’t work for one of these companies who tells you they know exactly what it takes to put you at the top is probably lying to you.The truth is the search engine companies don’t want people like me understanding their systems and creating positive results for my clients. The people behind search engine technology believe their algorithms provide the perfect solution for a Web surfer’s query.But of course you and I know better. How many times have you tried to do a simple keyword search and ended up with page after page of irrelevant results?Whether they
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I come across this question so frequently, that I had to write an article addressing the situation.
An emergency fund is definitely a must have in terms of financial security. You really should NOT start investing in anything until you have set aside some money for the unforeseen expenses that are part of life.
On the other hand, you also know that paying down high interest loans and credit card debt is also an important step toward building your secure financial house.
So which is better: paying down your debt or building your emergency fund?
And which is best for you? Read on to find out.
In order to answer the question of which option is better, paying down your debt of funding your emergency fund, I think you have to look at three main areas: Return on Investment, Stability and Peace of Mind
Return on Investment
If you pay down debt with your extra monthly cash flow, you will get a better return on your money than if you funneled it into a low-risk, low interest paying savings or money market account. When you pay down high credit card debt you are effectively earning whatever rate of interest your credit card charges you.
If you are paying 15%-20% interest on your cards, I hardly think there is anyone who could come up with an investment option that would provide those returns guaranteed.
WINNER: Paying down your Debt
Stability
What do I mean by stability? I mean to ask you how stable your financial life is and can you weather a storm of unforeseen expenses.
You do not want a blown boiler or doctor bill derailing your financial freedom plan. Having a kitty of cash set aside is important to pay for those unforeseen expenses. But getting your debt to income ratio lower is just as important.
If you lower your total outstanding debt, you should be lowering your monthly minimum payments, thus increasing your free cash flow. WINNER: TIE
Pea
Email Marketing - A Simple Approach that Works
So, you have an email list, or you have rented an email list. Now what are you going to do with it? This is the question that you must answer in order to create an effective email marketing strategy. You have spent a lot of time building up your email list, and building a high level of trust with your customers, and now it is time to use it.Most email marketing campaigns focus on getting people to click through to a website where advertisements can be placed. Some email marketing campaigns are meant to publish affiliate links or announce new products. This is one of the most powerful tools you will ever use, so it is important to know how to use it properly.One of the things that I like to do is to tease customers with email messages. Hint at something that is new or fantastic, then give them a link so they can find out more about it. Usually you will need to offer them something free or at a special subscriber rate to make
ch is better: paying down your debt or building your emergency fund?
And which is best for you? Read on to find out.
In order to answer the question of which option is better, paying down your debt of funding your emergency fund, I think you have to look at three main areas: Return on Investment, Stability and Peace of Mind
Return on Investment
If you pay down debt with your extra monthly cash flow, you will get a better return on your money than if you funneled it into a low-risk, low interest paying savings or money market account. When you pay down high credit card debt you are effectively earning whatever rate of interest your credit card charges you.
If you are paying 15%-20% interest on your cards, I hardly think there is anyone who could come up with an investment option that would provide those returns guaranteed.
WINNER: Paying down your Debt
Stability
What do I mean by stability? I mean to ask you how stable your financial life is and can you weather a storm of unforeseen expenses.
You do not want a blown boiler or doctor bill derailing your financial freedom plan. Having a kitty of cash set aside is important to pay for those unforeseen expenses. But getting your debt to income ratio lower is just as important.
If you lower your total outstanding debt, you should be lowering your monthly minimum payments, thus increasing your free cash flow. WINNER: TIE
Pea
Name Brand Cellphones on the Cheap
We might as well face it: everyone has a cellphone these days. You can’t go anywhere in the United States without running into people carrying cellphones. They’re in the grocery store, they’re in line behind you at the ticket office, they’re in traffic next to you gabbing happily away. How is it that everyone in the country seems able to afford such costly cellphones with loads of cool features and still pay for their monthly plans? Twenty years ago, cellphones were a luxury that only the very wealthy could afford to own. Today, if you don’t have a cellphone then you’re treated as if you’re living in the Dark Ages. You’re out-of-touch, behind the times, technologically impaired – and all because you don’t have a cellphone. But how are you supposed to purchase a cellphone with all those extras like ringtones, camera-capability, graphics, games, and fun accessories? After all, no one is made of money, and new, upgraded phon
funneled it into a low-risk, low interest paying savings or money market account. When you pay down high credit card debt you are effectively earning whatever rate of interest your credit card charges you.
If you are paying 15%-20% interest on your cards, I hardly think there is anyone who could come up with an investment option that would provide those returns guaranteed.
WINNER: Paying down your Debt
Stability
What do I mean by stability? I mean to ask you how stable your financial life is and can you weather a storm of unforeseen expenses.
You do not want a blown boiler or doctor bill derailing your financial freedom plan. Having a kitty of cash set aside is important to pay for those unforeseen expenses. But getting your debt to income ratio lower is just as important.
If you lower your total outstanding debt, you should be lowering your monthly minimum payments, thus increasing your free cash flow. WINNER: TIE
Pea
15 Tips for Writing Winning Resumes
The thought of writing a resume intimidates almost anyone. It's difficult to know where to start or what to include. It can seem like an insurmountable task. Here are 15 tips to help you not only tackle the task, but also write a winning resume. 1. Determine
you how stable your financial life is and can you weather a storm of unforeseen expenses.
You do not want a blown boiler or doctor bill derailing your financial freedom plan. Having a kitty of cash set aside is important to pay for those unforeseen expenses. But getting your debt to income ratio lower is just as important.
If you lower your total outstanding debt, you should be lowering your monthly minimum payments, thus increasing your free cash flow. WINNER: TIE
Peace of Mind
For years I lived paycheck to paycheck and I was miserable. Instead of having a well-funded emergency fund, I decided to invest a set amount each month into mutual funds and then I spent whatever was left over. I had maybe a month or two of living expenses set aside in a savings account.
One winter my car died on me and I had to buy a new one, which wiped out my savings and added a new monthly expense. Several months later I barely had enough cash for a wedding present for one of my closest friends. It was then that I realized that I had to make some changes.
So what did I do? I became more responsible of course!
I quickly cut back on most of my frivolous expenses and started building up my reserves. By the end of the year I had several months of living expenses set aside and today I can sleep at night with no worries of missing a payment or defaulting on my loans.
WINNER: Funding your Emergency Fund
Tie Breaker
So we have a tie. How do we break it?
You decide what's best for you.
So what option is best for you?
So which of the above three are most important to you? If you want to get out of debt as fast as possible and don t care if you have an emergency fund, you would be best served if you use all available funds for paying down debt.
If you toss and turn at night thinking of that mountain of debt you are carrying every day, you might sleep better knowing that if you lost your job you have cold hard cash set aside to pay your bills for the next six months.
Why not do both?
So why bother choosing either one? Why not do both?
This is what I did and I am sure it seems like a copout, but you get the best of both worlds when you attempt to do both at the same time. You also get the satisfaction of knowing that you re paying down your bad debt and you get the peace of mind that comes with having a little change in your pocket.
Hey, You don't need to save 3

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Other Added - Debt Relief: Emergency Fund vs. Paying Down Your Debt

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