Category Archives: Online Business

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Looking to Learn a Foreign Language? Don’t Simply Recite, Sing

Youtube on a browserYou’ve watched countless tutorials on YouTube and spent sleepless nights watching subbed movies but to no avail. You can still barely stammer through the items on a foreign-sounding restaurant’s menu.

While movies with voiceovers offer a peek into the culture of the country you’re visiting, experts say if you wish to get to grips with a particular language, try singing while learning. A study conducted at the University of Edinburgh’s Reid School of Music revealed that singing foreign words or short phrases can help adults become twice as good at speaking the language later.

Improving Recall

Led by Dr. Katie Overy, the researchers taught 60 adults foreign phrases using recordings of words. As the researchers wanted to use a language that participants were unlikely to have encountered before, they chose to present them with Hungarian words.

The researchers played the tapes to participants, instructing one group to say the words back like a teach yourself tape. On the other hand, they told the other group to either sing the words or say them rhythmically.

After listening for 15 minutes, the researchers gave the respondents tests to see how well they fared at learning the words. The results revealed that those who listened to short phrases and sang them back performed better than those who simply spoke the words.

The Link Between Music and Memory

Music can help trigger memory recall. Most people remember certain phrases or words from a song they heard earlier. Some language teachers use music to teach their young students, while the students use it to enhance their memory when preparing for an exam.

The researchers concluded that a listen-and-sing method could help verbatim memory for phrases in a spoken language. The researchers did not delve into whether certain melodies provide an additional cue to exercise the mind, and while they admit that future research can fortify the ideas they have brought forth, they suggest taking advantage of the strong links between memory and music when trying to learn a foreign language.

Be a Wise Borrower: Avoid Being Tricked on Your Mortgage

Mortgage Tricks in Salt Lake CityBuying a home a big financial expense, so it is important to make sure you are not ripped off on your loan. Choosing a reliable lender is one way to avoid this, but it is also advisable to learn more about the type of mortgage you have and the costs associated with it.

Here are a few ways you might be taken advantage of on your home loan:

Higher Rates in Exchange of PMI

Home mortgage companies in Salt Lake City note a down payment of less than 20% will require you to pay private mortgage insurance (PMI). This additional fee protects the lender in case you default on the loan. In other cases, the lender may charge you with a higher rate instead of requesting you to pay a separate PMI. If the lender does not charge PMI, ask them if it is included in the interest rates. If yes, find out what the interest rate would be if you pay the insurance separately.

Increased Interest Rate

Some lenders may give you a certain interest rate in the application process and then charge you with a higher one on the closing. This can cost you thousands of dollars over the life of the loan. The thing is, many borrowers discover this within the week of the closing date or when they proceed with a home purchase. They usually accept a higher rate, instead of starting with application process all over again. You may choose to lock the interest rate, or better yet, find a reputable lender.

Too Much Closing Costs

When looking for a loan, it is normal that you want to score the lowest rate. While this is important, you should also mind the closing costs. These are complicated and vary by lender, the mortgage size, and program. To make sure you don’t pay too much, collect loan proposals from different lenders and compare their closing costs. Ask them to provide you a loan estimate, which outlines the interest rate and closing cost, advised an expert from Econmortgage.com.

These are just a few of the ways you can get ripped off on your loan. You should also consider the mortgage pre-penalty payment in case you decide to pay the loan in full amount before the due time. Ask the lender about the penalty to avoid unnecessary costs in the future. It also makes sense to find a reliable company or lender who will educate you about the process and other costs.

What the Doctor Ordered: Discounted Loans

Home LoanIf you are a doctor and you need a personal home loan or a commercial property loan to expand your practice, you could get a discounted home loan for medical professionals to get you started.

Banks are looking to assist doctors, dentists and other medics in developing their businesses or making personal home improvement plans for their residential dwelling. This is because banks know that doctors are honest about their income and their higher earnings mean they rarely get into financial difficulty so they won't default on their loans. Unlike many other professions, where interest may wax and wane, there is always a steady need for medical services. There are several ways that doctors home loans could save you money:

Reductions in Interest Rates

You can get an attractive, low-interest rate on your loan that is not available to other members of the general public so that more of your payments go to paying off your loan and you can be debt free faster.

You can still get this low rate even if you only borrow a smaller amount.

Small Deposit

If you don't want to pay out a large amount of your own money to even get your loan, choosing a loan that is designed for doctors can get you a small deposit for as little as 5%.

No Lender's Mortgage Insurance

As you're a high earner you won't have to pay lender's mortgage insurance. Lenders usually insist on this insurance in case the borrower fails to make repayments. Prior industry experience with medical professionals shows that they nearly always pay. Eliminating this insurance will save you thousands of dollars. For instance, on a $500,000 loan, you could save $17,500.

To discuss your home improvement or practice expansion needs, get in touch with Australia's finest doctors loan company and you can begin reaping the benefits.

Creating a Buyer Persona for Your Content Marketing Strategies

Detailed Buyer Personas for Content MarketingA buyer persona is a semi-fictional representation of your ideal customer. You create your ideal customers based on many different factors that can influence their decision to buy the products that you market. Imagining and creating buyer personas for marketing campaigns is a lot similar to the creative process of fleshing out characters in a fictional story.

The ultimate goal is to use this persona as a means for businesses to better communicate with customers and find ways to make them happier. When planning a content marketing campaign, creating a detailed buyer persona is vital. To give you a better understanding of who you buyer persona should be, here’s a quick guide.

Customer Demographics

Demographics play a key role in capturing the ideal image of a buyer persona. There are numerous data-gathering and analyzing tools out there that you can use to identify your target market for a given ad campaign. You can create different buyer personas based on demographics alone, but to create intelligent and creative content, a deeper understanding of their real-life counterparts is crucial. Before you get to the creative part, you must go through the scientific methods of gathering demographic information.

Behavior Patterns

In-depth research is important in planning a persona-based content marketing strategy. The process is much easier in business-to-customer commerce since it is the individual customer who makes the purchasing decision. It’s a bit different for B2B situations, in that you must first find out who makes substantial purchasing decisions, and you can only do that through communicating directly to intermediaries or conducting extensive market research. Well-formed personas, as a Denver SEO expert would tell you, are only revealed through research.

Motivations and Goals

Now once you’ve gathered enough tangible information about your target audience, it’s time to move on to the analytical and creative part of the process. To complete your buyer personas, you will process the information gathered, and from there, imagine their motivations and goals.

What are the common aspirations of this specific group of people? How big is their earning potential? How will your product make their lives better? How will you convince them to buy your products? While there really is no single answer to these questions, the thought process helps build the momentum to create intelligent content.

Now Trending: Why You Should Consider Online Marketing

Online Marketing for Growing BusinessesOnline businesses and extending business services online have become a common practice. Even if you are not tech savvy enough to do it yourself, the benefits far outweigh the drawbacks when it comes to online marketing. Here’s why:

No Closing Time

When you conduct business online, your store is never closed. It’s always up and visitors can browse your wares or services 24/7. Unlike in a physical retail store, where you’ll have to pay your employees overtime if you want to stay open longer, it takes no special effort on your part to keep your online store accessible the entire day and night.

Farther Reach

You don’t have to open a retail outlet in other parts of the country if you make online transactions possible. In fact, you can extend your reach all the way across the globe. That ability saves you a lot of capital for the capability to develop a global market. It can also be a way to gauge if it’s worth opening in specific areas of the country or the world.

Space Saving

When you are conducting business online, you don’t need to stock up too much. As long as you have a firm commitment with your suppliers, you can put together the items just before you ship it to your customers. This may leave you vulnerable to supply shortages, but by checking purchase trends, you can easily stock up on the most popular items to secure your inventory.

Get Help

When you are not tech savvy enough to confidently put up your own online presence then you can simply hire someone for your web development. Whether you live in Denver or San Francisco, you can find a specialist who can provide the right services for you. In the long run, paying for their services may turn out cheaper and more effective than doing it yourself. If you are using online marketing for a physical store, find someone who lives in the area. They have experience in how local trends go and can help reflect the personality of your physical store online.

2 Hack to Supercharge Your Career and Improve Job Prospects

Supercharge Your Career and Job ProspectsMany people get stuck in jobs that no longer excite them or hold their remotest interest on the grounds they need a source of income. The article highlights some of the steps people can take and supercharge their careers.

Individuals with routine jobs often lack the motivation to wake up in the morning and head out to their place of work. In many instances, such people dread Mondays and love for weekends and the clocking out times.

If you are always watching the time, itching to get out of the office or your weekend countdown starts on Monday; you are thoroughly bored with your job. In the current job market, many employees hang on to their jobs to provide for their families but not because they enjoy them.

Seek a promotion

It is surprising how much of a change a promotion at your workplace can effect at the workplace. For instance, the role of a supervisor in an assembly plant differs considerably from that of a worker and as such, the change would require that you learn new skills. By design, the human brain thrives on creating new connections and absorbing new information. The need to excel in your new position would inject a new zeal into your work routine, breaking the glass ceiling. Because of dealing with a new set of challenges, the boredom would fade into the distance.

Learn new skills

Boredom can leave you unsatisfied with your job and could turn your life into a complete drudgery. Rather than go down that road, take that as an opportunity to learn something new or take on a new project. Training is an evergreen area within the business environment and pursuing a cert 4 training and assessment in Gold Coast sets you off in the right direction, according to RAM Training Services. Other than getting new employees up to speed, companies often need to train workers on new and emerging technologies and efficient production methods. Therefore, you have an excellent chance joining the in-house training department by furthering your skillset.

Since most jobs are routine, they could become tedious and boring with time, making your life dull and miserable. By taking these measures, you can eliminate the unbecoming aspects of your job and improve your life and career prospects.

Selling Art: The Most Expensive Painting Ever Sold

The Most Expensive PaintingIs it not surprising how there are a number of artists who struggle to make ends meet, while on the other hand, there are paintings that go for millions at art auctions?

Buying paintings can be a reasonable investment, and it does not come off as a surprise if and when people resort to taking out easy personal loans so they can lay their hands on a masterpiece.

In recounting the list of the most expensive paintings in the world, here are the artists in the top ten: Willem de Kooning, Jackson Pollock, Amadeo Modigliani, Pablo Picasso, Rembrandt, Mark Rothko, Paul Cezanne and Paul Gauguin.

The Most Expensive Painting Ever Sold

Two pieces hold the distinction of being the most expensive painting in the world. Take your guess. They are Willem de Kooning’s Interchange and Paul Gauguin’s Nafea Faa Ipoipo (When Will You Marry?). The two masterpieces cost $300 million, each.

The David Geffen Foundation sold de Kooning’s 1955 oil painting, Interchange, to Kenneth C. Griffin in September of 2015 for $300 million. The painting measures 200.7 by 175.3 centimetres and is currently on loan at the Art Institute of Chicago. It is a canvas of abstract expressionist swathes, scratches and strokes of whites over varying red and yellow tones, among a slew of other colours.

Gauguin’s 1892 oil painting, Nafea Faa Ipoipo (When Will You Marry?), sold by Rudolf Staechelin to Sheikha Al-Mayassa bint Hamad Al-Thani in February 2015 for £197 million, had been on exhibit in Switzerland for a while back last year. Converted, it is close to $300 million, making it a close second to de Kooning’s Interchange, if not tying it. The painting is a picture of two Tahitian women in post-impressionist figures, resting in a field of greens and yellows. Its dimensions are 101 by 77 centimetres, a wee bit smaller than de Kooning’s.

When it comes to selling and buying art, you have to imbibe the price of fine taste. It is, after all, an investment you can be proud of showcasing.

Buying a Home in Your 20s: Are You Ready?

Buying a Home in Your 20s in MichiganThinking of buying a home in your 20s sounds like taking a big step. Well, it actually is, as purchasing your own place means getting a mortgage, which is probably the biggest debt you’ll ever take. This also means tying most of your money in a single asset and starting to build up equity in a property.

While you feel ready to take this big step, it is important to ask yourself if it is the right time to buy. Mortgage lenders in Michigan note that this is to make sure you won’t make a decision you’ll regret later on.

Years of Commitment

Keep in mind that a mortgage is a long-term commitment that can last for 15 to 30 years. If you plan to relocate after a few years or think you’ll need to move constantly for work, it may not be the right time. This is because of the closing costs you have to pay when buying a home. If you, however, has found a stable job and plan to stay in the city for the long-term, you are ready to take out a mortgage.

Financial Responsibility

Getting a mortgage means making payments every month. This is why it is important to have a plan in case financial hurdles occur. Would you still be able to make mortgage payments if you lose your job? Can you find another job or get support in paying your home loan? Consider these questions before taking a large debt. It is a good idea to use a mortgage calculator to get an idea of what your payments will be like in the future.

Goals for Buying a Home

Your long-term goals also play a part when buying a home. If you plan to start a family or raise kids in the place you’re buying, consider its suitability. Check for crime rates, schools, parks, and recreational centers. If you’re buying to sell after a couple of years, consider the growth of the area so there is a big possibility that the value of your home will increase.

If you believe that you’re ready, talk to mortgage lenders to know the best option for you. There is the fixed-rate mortgage, with interest rates that stay the same until the payment is over. There is also the adjustable-rate mortgage, with rates that change over the life of the loan.

Why Online Marketing is an Effective Business Strategy

Online MarketingConsumers are increasingly using the Internet to carry out price research before making the final decisions on whether to buy or not. For this reason, online marketing offers the best way of attracting these consumers. Several strategies can be used in marketing businesses through the online platform. These strategies include the use of email, social media, SEO, PPC, and video marketing. Each strategy has its specific advantages and generally communicates faster in an effective way to a consumer, Prcaffeine.com explains. Therefore, your business can gain immensely by using search engine marketing.

Ways that a Business can Gain from Online Marketing

Compared to offline means of marketing, online marketing is more affordable. Online marketing helps a business to reach a large target audience. It also gives one the ability to customize the marketing for the various segments of the target audience. In addition, online marketing offers an important platform to build relationships with the clients that can result in increased customer retention levels. Therefore, you can operate your business around the clock because you do not have to worry about opening hours or opening several branches across the country. The reach that online marketing provides is limitless and knows no barriers or distance. Investing in online marketing has resulted in the growth of businesses owing to the improved public image and confidence of consumers.

Why Content is Key in Any Online Marketing Strategy

Content is the most important pillar of any online marketing strategy. Quality content ensures that a marketing strategy is successful. This is because it is also a Google ranking factor and can help a site to attract premier inbound traffic, build credibility and trust with your potential customers.

Proper content that addresses the various concerns of the consumers helps to increase consumer’s understanding of the products and services of your organization. Consumers will most likely purchase in companies that display all the required information of a given product, including its price and related discounts.

The online platform offers the world with endless possibilities. By marketing online, your business gets to benefit immensely by expanding its reach in terms of the consumer base and profitability margins.

websites

Websites: Best Medium for Conducting Business

websitesThere is a greater need for a new way of conducting business. The digital era is indeed upon us and it is no secret that everything is changing.

From the practice of storing data to the way people exchange information, everything is evolving quickly. The latter is perhaps the most significant change, as it is the aspect that is most relevant with how humans conduct daily life.

Realizing these changes, many people have undertaken several steps to keep up with the pace of life. In the world of business, company executives try to steer their brand’s equity to greater heights by making an impact in the World Wide Web.

The new demands of life have led to the emergence of a new medium of promulgating information. Today, almost all companies have websites or at least have some kind of information about them posted on the Internet. The medium gives them the ability to connect with target market much easier and costs lower than other traditional channels.

The challenge of developing a website is daunting, which is why companies hire highly trained professionals who possess the right training and equipment that can get the job done. What do websites do for companies? Websites can drastically improve a company’s reach and influence. It can send out information to people who are not even in the same continent as they are. This means that the opportunity for attracting customers has become much easier.

Some websites also serve as a platform for doing transactions. Some companies, instead of having transactions face to face, encourage customers to do it online. This kind of business dealing not only saves time, but makes carrying out such task much easier.

That explains the growing need for every business to work with a web design company in Minnesota or in other areas today. The digital revolution has indeed changed the way people conduct life. By continuously updating and learning new trends, people will be able to keep up with the pace of life.