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Day: October 28, 2016

Top 10 Reasons Why Small Businesses Should Hire an SEO Firm

SEO is the acronym for Search Engine Optimization, and it includes all the strategies and techniques that will lead a certain website to a higher rank and a better position in the search results of a certain search engine. Nowadays, SEO and marketing are inseparable concepts. This means that you need it in order to make your business more profitable and successful.

This is the time when, no matter the field of your business, you certainly have a pretty strong competition there. In these conditions, many business owners are happy to just keep their head above the water, but this is definitely not the key to success.

The question is how can you make noticeable progress and be successful if you have a small business? We will offer you an answer that has already been tested by a multitude of small businesses: hire an SEO agency.

1. SEO is not a piece of cake

After you read a few articles on the Internet, you may think that SEO strategies are not such a big thing. In fact, who can not deal with keyword density, put out links and things like that? The truth is that SEO strategies are a lot more complex, and a successful one requires a lot of time searching the right ways to increase your website ranking.

Moreover, it is important to understand the previous SEO techniques and know why they failed or not. This will help you understand the actual and future SEO tactics. Concepts such as keyword density are history now.

2. Save time

SEO can not be learned overnight. If you want someone from your company to understand the technique and be good at SEO, you have to provide him with a lot of time for research and study. Taking into consideration that your employee did not know too much about SEO before, he will probably be overwhelmed by the multitude of old strategies that are no longer actual. If you convince all of your employees to do some research about SEO and apply some SEO strategies, this is nothing but a waste of time and money. Let your employees do their jobs, and hire an SEO firm.

3. Save money

A wrong strategy will fail and all the time and money you have invested will be wasted. Moreover, you will need some SEO software tools that may seem quite affordable at a first glance, but they are expensive if you calculate the costs. Even low-cost SEO software tools are pricey, and they can not do the job of an SEO expert. Not to mention that you will have to learn how to use them on your own.

4. Search engines' algorithms are always updated

If an algorithm is updated, this means that, most probably, some of the ranking factors have changed. This happens very often. An SEO agency will always be aware of these updates, and they will change the strategies and techniques according to every new update. Keeping up with all the …

Your Homeowners Insurance May Not Cover Woodpecker Damage

Meet Amy, City Girl that became a small town resident upon her marriage to George. The stark difference between living in the very center of urbanized civilization and township dwelling was somewhat of an adjustment for Amy. Sure she loved the sights and sounds of nature exposed: the lake, the trees, grass, flowers and the vibrant color of winged birds. Nonetheless, how she missed the hustle and bustle and – yes – even the noise of what she had always recognized as the center of commercial shopping, auto and bus traffic – honking included – and life as she had been bred to appreciate!

Though noise has always been the core of her existence, the incessant pecking on the side of her roof in small town America where she currently had set up residence did absolutely no good for her nerves. Five o’clock in the morning, you see was far too early for a woman of the world such as she to be rudely awoken from her slumbering state. And the fact that the pecking was coming from a fine feathered ‘friend’ known most commonly as the woodpecker did little to placate her uneasiness.

Then came the crunch that really threw Amy off. It appeared as the bothersome woodpecker had begun to incur damage on her lovely home! But nothing could appease Amy when she discovered that her standard homeowners insurance policy did not even cover the damages and losses she now suffered!

“You see, Ma’am,” explained the nice insurance agent, “insurance companies simply do not cover general home liability that has been wrought through negligence. In fact, they view woodpecker damage as something that could have been avoided through proper home maintenance.”

If only Amy had known! She most certainly would have confronted the little peril with a vengeance. Now it appeared that it was too late and she and her husband would have to bear the losses through out of the pocket expenditures.

They say life is a great teacher. Amy knows better than most.

“Learn from me,” says Amy, former city dweller. “Don’t let pests get the better of you or your home risks will!”

How does one tackle a woodpecker problem? There are a number of hands-on methods:

• Go out and purchase a tool that’s on the market in regard to woodpecker deterrence.

• Surround outside home spots that connect to the roof with wired fencing.

• Attach colorful tape below roof and around the roof’s gutters.

• Seal attic holes and house siding with caulk or other materials.

• Hire a pest eliminating firm to take care of the problem.

• Explore your own creative to tackle the nasty wood-pecking problem.

Ask Amy. She’ll tell you forearmed is indeed forewarned: speak to an independent insurance agent about your homeowners insurance policy to make sure it is tailored to your needs.…

Analysis of Target Corporation

TARGET CORPORATION ANALYSIS

The purpose of this memo is to evaluate Target’s recent performance and compare Target’s five proposed capital budgeting projects.

The first SuperTarget store opened in Omaha, Nebraska in 1995. Target differentiated itself from Wal-mart by focusing on their customer’s shopping experience. The company had been highly successful at promoting its brand awareness with large advertising campaigns and as additional enhancement to the customer shopping experience, Target offered credit to qualified customers through its RED cards.

I. Target’s Recent Performance Evaluation

Wal-Mart Revenue= $315.7 billion Wal-Mart Debt Rating= AA Wal-Mart Beta= 0.80

Costco Revenue= $52.9 billion Costco Debt Rating= A Costco Beta= 0.85

Target Revenue= $52.6 billion Target Debt Rating= A+ Target Beat= 1.05

Table 1: Retail Company Financial Information

Table 1 shows that Target’s total revenue is the lowest as compared to Wal-mart and Costco but it performed better in relation to its company’s debt management. Target’s debt rating of A+ outperforms Wal-mart’s or Costco’s debt rating. This indicates that Target has very efficient debt management system in its company despite the fact that they need to acquire more funds to undertake their capital budgeting projects and the risk of them defaulting on their loan payments is very low. However, Target seems to be the riskiest company with a beta of 1.05 which is higher than the other two companies. I believe that Target’s beta of 1.05 is not a very big issue as the total beta of the retail industry is 1.96 and Target’s beta is still much lower than the overall industry’s beta.

II. Target’s Financial Ratios Evaluation

Net profit Margin (2005) = 6.89{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} (2006) = 4.58{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}

Return on Assets (ROA) (2005)= 5.84{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} (2006)= 6.88{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}

Return on Equity (ROE) (2005)= 24.55{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} (2006) = 16.95{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}

Asset Turnover Ratio (2005)= 1.44 (2006) = 1.50

Inventory Turnover Ratio (2005)=5.84 (2006)= 5.98

Table 2: Target’s Financial Ratios

Table 2 shows that Target’s net profit margin has decreased since 2005. ROE has also decreased since 2005 but ROA increased since 2005. Target’s net profit margin decreased since 2005 because they decreased their interest expense in 2006. Target experienced a growth in sales and a decrease in interest expense from 2005 to 2006 which is a good sign for the company even though this resulted in a decrease in net profit margin. This decrease in net income also led to a decrease in ROE. The decrease in ROE is not a bad sign for Target as the total shareholders’ equity actually increased from 2005 to 2006 which also caused the decrease in ROE. ROA improved from 2005 to 2006 which shows that management is really good at managing Target’s assets to generate earnings.

Asset Turnover Ratio and Inventory Turnover Ratio improved since 2005 which indicates that Target is becoming more efficient in managing their assets and inventories. Turnover ratios are very important in the retail industry to ensure that the company is able to keep their costs low and generate significant profits. The improvement in inventory turnover for Target shows that …

10 Steps to Creating Your Personal Development Road Map

“It’s not the blowing of the wind, but the set of the sail that determines your destination” — Jim Rohn

“If you learn to set a good sail, the wind that blows will always take you to the dreams you want, the income you want, and the treasures of mind, purse, and soul you want.”–Jim Rohn

Have you ever stopped to consider why you get the results that you do? Do you wonder why some people seem “lucky” and are able to glide through life always achieving more, while others toil daily just to make ends meet? Do you know where you want to go in life?

Where you end up in life is predominantly the result of the little choices you make each day. Small, seemingly inconsequential, decisions can have a major impact on your life later on. Imagine you were on a flight from Phoenix to Chicago. If the plane was off course by just 1 degree, where would you arrive? I don’t know exactly, but I do know it wouldn’t be anywhere close to Chicago!

When Jim Rohn says it is the set of your sail that determines your destination, he is referring to the way you live your life every moment of every day. Setting your sail involves knowing exactly where you want to go and having a specific plan for getting there. When you know these things, then you are able to factor that information into your decision making process to ensure that you are moving closer to your goals. Without the information, you will have no way of knowing where your decisions may lead you.

The key is to remain focused on your destination and flexible on your route. The “how” will change, just like the wind. When that happens you must be willing and able to adjust your course; to re-set your sail to capitalize on the change.

The following 10 steps will help to build your personal development roadmap and set your sail to achieve your dreams:

  • Clearly identify, in writing, the results you want to achieve (your destination).
  • If possible, find pictures/images that represent your destination. This helps to make the visualization of the end result more concrete.
  • Identify all the reasons why you want to achieve these results (why do you want to arrive at your chosen destination?). The reasons must be personal and compelling; they must be your own.
  • What will you need to learn or do differently? What critical information or skill are you lacking that is preventing you from moving forward? 
  • What have you done in the past that can help you get to where you want to be in the future? What skills can you build on?
  • Who will you need to help you in your journey?
  • When do you expect to arrive? How long will it take to achieve the results you desire?
  • How will you get there? What is your plan? Think about the last step you will need to accomplish before you finally