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Your Small Business Web Site
A website is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. So, how can you reach some of those internet surfers, and how can you capture some of the billions spent in e-commerce?
A website is a crucial ingredient of your marketing strategy because it can widen your target market to include anyone who has access to a computer and the internet. Almost 60% of Canadians had access to the internet at home in 2003, and around 8 million had regular access to the internet from somewhere, either at home, at work or at school.
And that’s just in Canada. Ecommerce sales from Canada were $7.2 billion, and we only captured 4% of the global e-commerce market! So, how can you reach some of those internet surfers, and how can you capture some of that $7.2 billion spent in e-commerce?BUILDING RETIREMENT WEALTH
First, you build it
The first step is designing your website. If your company already has business cards and letterhead, it’s best to design your website around them. A matching corporate identity and website helps with branding.STARTING A BUSINESS
I like uncomplicated websites, with a simple layout and easy navigation. A nice, simple layout, with good graphics, a balanced look, and good color combinations is my #1 goal when designing a small business website.
Remember to use graphics sparingly and to optimize them for your website because internet surfers are impatient. If your page loads too slowly, they’ll leave.
Navigation should be easy to find and to use, and it should be consistent from page to page. I’ve left more than one site frustrated because I couldn’t easily find their navigation.
Small business websites aren’t static. They evolve. You need to start somewhere, and starting with an introductory website is probably the easiest. All you really need to start is five pages. You can always add pages later.
The important thing is to just do it—take the plunge and get it out there.
1
Principal
Principal is the amount of money you borrowed to buy your house, or the amount of the loan that you have not yet repaid.
Keep in mind, the more money you pay up front in your down payment, the less you will have to borrow.
The amount of money you can borrow is based on a variety of factors, including your monthly income and payments such as car loans and student loans. Use our mortgage affordability calculator to estimate how much you may be able to qualify for.
2
Interest
Interest is the cost you pay to borrow money from your lender, and it usually appears as a percentage of the amount you borrowed.
Interest rates are set by your lender based on many factors, some that you can control and some that you can’t. Out of those that you can control, one of the most important factors is your credit score. A higher credit score could help you get a lower interest rate.
Learn more about interest and getting the best possible rate for you.
3
Escrow
Required by many lenders under the terms of your mortgage, an escrow account is a reserve set aside to pay for a portion of your annual costs for property taxes and insurance premiums, such as homeowners insurance.
Your escrow payment goes to your lender, who deposits the money into an escrow account. The lender uses the money in the escrow account to pay for your property taxes and insurance premiums on your behalf when they are due.
Regularly scheduled escrow payments are a good option for many homeowners because they eliminate the surprise of a large annual payment for those expenses.
Learn more about escrow payments.
4
Taxes
Your mortgage payment will typically include one-twelfth of the estimated annual real estate taxes, also known as property taxes, on the home you purchased.
These payments are put into an escrow account, and the lender will use the funds to pay your property taxes on your behalf when they are due.
5
Homeowners Insurance
Homeowner’s insurance protects both you and your lender from fire or flood, which damages the structure of the house. It also protects from a liability, such as an injury to a visitor to your home, in addition to damage to your personal property, such as your furniture, clothes or appliances.
Your mortgage payment will usually include one-twelfth of your annual homeowner’s insurance premium that will be put into an escrow account.
Just like your taxes, when your insurance is due, your lender will use the money from that account to pay your homeowner’s insurance on your behalf.
6
Mortgage Insurance
If your down payment is less than 20%, you will have to purchase private mortgage insurance, an added insurance policy that protects the lender if you are unable to pay your mortgage.
As with your taxes and homeowner’s insurance, one-twelfth of your annual mortgage insurance premium is included in your monthly payment and put into your escrow account. Your lender will use these funds to pay for your insurance on your behalf when it is due.
7
Homeowner’s Association Fees or Condominium Fees
Most neighborhoods and all condominiums have a homeowner’s association (HOA). HOAs provide service
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How to Own Your Home Years sooner and Retire Debt Free
What does it mean living in a Section 8?
The Housing Choice Voucher Program, also known as Section 8, is the federal government’s
program for assisting low-income families, the disabled, and the elderly afford housing.
Participants can choose housing that meets the requirements of the program and receive
housing vouchers to help with their rental costs.Jan 22, 2020
An Overview of Section 8 Housing Assistance – Benefits.govhttps://www.benefits.gov ›
Are you thinking about setting up your own business? Have you an idea for a new business but are unsure about how to proceed?
If you have answered yes to either of these questions, this article could be of benefit to you. I am going to write about how to plan and create a successful small business.
Are you thinking about setting up your own business? Have you an idea for a new business but are unsure about how to proceed?
If you have answered yes to either of these questions, this article could be of benefit to you. I am going to write about how to plan and create a successful small business.
Many people are looking at ways in which they can become self-employed as they have had enough of being dictated to and fed up of long and frustrating commutes to work. FREE INFORMATION
They want the freedom of being their own boss and to be able to choose their own hours of work.
Leaving a full time career can be quite a scary prospect however. The security of having a regular income and other benefits such as a pension and a share save scheme can seem hard to let go.
I am sure many people whether rightly or wrongly have opted to stick with this security and to merely keep their business plan as an idea, which they never see through or use.
Other people are willing and happy to take the risk and see it as a way of getting out of the rat race.
When you have an idea for a new business you then need to think of a name to call it. I would keep this name quite short as it makes it easier to remember for people.
It obviously needs to have something to do with the business sector you are entering.
You will now need to work out how much money you will need to set up the business. This can be quite daunting but is essential.EARN ADDITIONAL INCOME
In the short term I would advise to keep these start up costs as low as possible, you can always buy or rent better machinery in the future as an example.
Once you are aware of how much money you need, you then have to find it. You may have enough yourself via savings or a redundancy payout, however most people are not in this position.
If you do not have enough money, you could try and raise money via the family, by seeking a partner or by releasing the equity from your house. There is also the option of a business loan.
The next stage is to market your product or service. There are many ways of doing this including:
The internet via a website
An advert in the newspaper
Direct marketing in the form of leaflets
An advert in the yellow pages
Exhibitions
Trade fairs
I would advise finding out where other people from your industry advertise as they will have tried and tested many of the above options.
You then need to work out how much to charge for your product or service. I always keep these charges fairly low at the outset in order to attract as many people as I can and to get some income in.
I then hope that word of mouth will take over and the idea is that after a few months I will be in a position to increase my fees.
It is also important to realize that we will make mistakes along the way. When this happens we need to think positive and not to beat ourselves up. It is an experience we can learn from.
Always have belief in yourself. At times any business will go through a rocky period, this is when we need to be strong.
In my opinion the more work we put in, the more rewards we are likely to obtain.
Self-discipline is one of the keys to your success. Being able to choose your own hours of work may seem like a dream but it can prove to be many peoples downfall.
We have to ensure that we work the required amount of hours. It is far too easy to stay in bed for that extra hour or to arrange yet another game of golf.
These things are fine once you are established, but this is a long way off at this stage.
It can be confusing for a starter to decide from where to buy his first timeshare from resale market or directly from timeshare resort or developer.
It can be a hard decision to make with both having its own advantages and disadvantages.
Buying timeshares in the resale market like auction websites or advertising through classifieds is a recent concept compared to buying from developers which has been there since its inception.
Internet has brought everything to the doorsteps of the people and thus benefiting the timeshare market also.
Websites such as eBay.com, bidshare.com and redweek.com provide prospective buyers with more information on the property and also wide variety of buying options.
The scenario was totally different a decade ago when the buyers used to buy timeshares through timeshare presentations hosted by timeshare developers.
The decisions taken to buy timeshares were mostly based on one’s impulse rather than research and analysis.
But with the advent of internet auction sites a user has more powerful tools to research the prices in advance even if he is going to a presentation.
The buyer can make a more informed choice today than earlier. Buyers can also avoid the trauma of sitting through a timeshare presentation by buying through resale market.
The presentations sometimes take ninety minutes and can go even longer.
At the end of the presentation the buyers who were brought in on the pretext of a free gift are subjected to high pressure selling techniques, and this yield to sign a paper and buy a timeshare.
Now talking about the cost comparison, a developer’s timeshare offer includes the cost of advertisement, presentation, free gifts etc.
(NOW THAT YOU OWN TIMESHARES AND TRAVELING THE GLOBE TO EXOTIC RESORTS — START A
BUSINESS YOU CAN WORK FROM ANYWHERE) I STARTED A SHAKLEE DISTRIBUTORSHIP BECAUSE
I COULD WORK IT FROM ANYWHERE)
which is whopping of the cost of the timeshare and sometimes this exceeds the cost of the timeshare resale.
On the other hand if one buys a timeshare through a resale market one can buy the timeshare cheaper. Also buying through a resale market offers you more choice and freedom to select your desired unit.
You know that you are getting the best price. It is definitely worth saving thousands of dollars by buying a resale.
But there are good reasons to buy from a developer. There are many reputed companies that have ventured into timeshare business like Marriot, Disney, and Hilton etc.
When you are buying through a resale market there is a margin of doubt whether your investment is secured or not and the trust factor is low.
here as the timeshare developers spend fortunes in the development of timeshares and have great reputation and thus can be easily trusted.
They give you the best and the latest amenities which you can never get from a resale unless it’s a relatively new unit.
Another high point of buying through a developer is that they offer many incentives and benefits to their customers in the form of bonus weeks, discounts on attraction tickets, car rentals and much more.
On the other hand these benefits may not be available to you if you bought your timeshare through resale market as many developers does not allow timeshare resale units with same amenities compared to those who bought directly from them.
Also the developers usually offer many financing options that you may not get if you buy from a resale market.
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