Tax Savvy Ways to Save For Your Child’s Education

No matter how young your child may be, now is the time to start saving for their education.  Here are a few excellent ways to start saving now.

One of the best ways to save money when it is time to withdraw funds for your child’s education is with a Coverdell Education Savings Account.  You can contribute up to $2000 annually until your child reaches eighteen years of age.  The deposits are not pre-tax, but the funds are not taxable upon withdrawal as long as they are used for education.

529 College Savings Plans are among the most popular educational savings programs.  There are two different types of 529 plans available.  The 529 College Savings Plan allows you different options for investing and your investment returns are not taxed as long as the money is used for education expenses.  The second 529 plan is the 529 Prepaid Tuition Plan.  It works sort of like prepaid fuel oil purchases.  You pay tuition based on the current cost and the plan allows you to hold that cost until your child begins attending college.

If you invest in special Savings Bonds for Education early enough, they can prove to be a good option for saving toward your child’s education.  The program allows you to invest in bonds that can be withdrawn tax free if used for educational purposes.  You can, however, cash out the bonds in the event of some financial crisis, but you’ll have to pay the taxes on the withdrawal since you are not using the funds for education.

If you have an older child and you are concerned about their college education because you have no savings in place, there are deductions, tax credits, and exemptions for which your child may qualify before and after enrollment.  For example, The American Opportunity Tax Credit has been improved and extended.  There is also the classroom expenses deduction, higher education tuition and fees deductions, as well as the lifetime learning credit.

It is important, if at all possible, to get a head start on your child’s higher education costs.  Tuition and fees are reaching dramatic highs and as your children grow older, these cost promise only to rise.  One of the most important financial investments you can make as a parent is in the future education of your children.  Research and plan as far in advance as you possibly can in order to take advantage of the best programs available for your child’s education.

Perhaps you should begin preparing for those education costs now, by consulting a financial planner.  A financial planner can give you top-notch recommendations on how to invest now, in order to guarantee your child’s educational future.

Looking For a Legitimate Home Based Business Opportunity? Don’t Fall For the Hype

Are you looking for a legitimate home based business opportunity? If so, you’re among an ever growing populous of people globally who are online every day in search of the right company to get involved with.

I personally spent 35+ years in the corporate rat race before I decided I just couldn’t take it anyone. That’s when I started looking for a legitimate home based business so I could spend more time with my family and friends.

As much as I’m ashamed to admit it, I spend an incredible sum of money and time investing in programs, products and systems that produced little, if any, return. For a while, I beat myself up pretty badly. Given my proven track record in business, not only the corporate world, but also in another start-up business, I knew better than to jump at these opportunities to make tens of thousands of dollars a month by working only 4-5 hours a week.

Fortunately for me, and now you, somewhere along the way, I remembered a quote from George Bernard Shaw, “A life spent making mistakes is not only more honorable, but more useful than a life spent doing nothing.”

“So,” I thought, “I have certainly learned some things about finding a legitimate home based business opportunity that I can use myself, and hopefully help others, as well.” I want to pass along to you two very important things I believe you should pay attention to:

1. Find a business that you will enjoy. The more you can have fun with the work you’re doing every day, the more apt you are to jump out of bed every morning and enthusiastically get started. Frankly, nothing succeeds like hard work, whether that is in an offline or an online business. The more you enjoy it, the longer you’ll stay with it.

2. Set realistic goals for yourself. I emphasize “realistic” only because of the outrageous claims of overnight success being promoted on the Internet. Actually, I believe you should set “BIG” goals, but I want you to understand that it’s not going to happen right away. In fact, “delayed gratification” is a key component to success in any endeavor.

Don’t fall for all the ludicrous advertising and promotions that we are all exposed to every day – particularly when you’re looking for a legitimate home based business opportunity. Find something that you’d love doing on a daily basis, and set BIG, but realistic goals for yourself.

Profitable Home Based Business For Moms

Not every single mom intends to keep a job that requires working long hours when her son or daughter has started attending day care or kindergarten for that matter. On the other hand, those stay at home moms will eventually see the need of looking for a means of earning money. In this way, they will feel even more productive than they already are and likewise help augment the family income which the husband is solely the one earning for their provisions. Hence, home based business ideas have popularized for the benefit of the moms.Going Online Means Finding the AnswersOne of the ways on how a mom will be able to start her home based business is that of going online. Sure enough, everybody is well aware that the World Wide Web is the best avenue for profitable means of earning money even when at home. As you surf the Internet, you will find all sorts of opportunities and be able to select one that will captivate your interest. Also, it matters that you are well aware of the kind of task you are about to take.Things and Traits You Need to SucceedIn everything you do, there should always be things to back you up. You can’t definitely ensure your online success if you lack the essentials. Thus, you need a personal computer or laptop, a reliable Internet connection, patience, determination, your ultimate desire and commitment to succeed, along with motivational tapes and books.Getting StartedWhile there are offline home based businesses which moms can engage to, the online opportunities still promise a more rewarding outcome. So, when searching online, here are some of those that you will find.Online Multi Level Marketing or Network MarketingThis is so far one of the popular home based businesses for moms. It works well for the moms who prefer to stay at home and look after their kids. Although this doesn’t rate as an instant success, but still, it is full of promise that with the right amount of time and effort, you can turn it into such a profitable venture.Data EntryThis job requires you to enter a couple of required data as per the request of other companies. This can of course be juggled along with your other motherly responsibilities.Online Affiliate ProgramsIf you have your own website, then, you can become a host to other merchandisers with products they want marketed. This system allows you to earn commission on every sale you make.Paid Surveys OnlineIf extra cash is what you want, you may participate in the online surveys. Winning prizes will also be possible.A Good Deal of AdviceBecause the World Wide Web is also filled with people who care less if they victimize others, you must be careful not to grab any kind of home based business opportunity for moms that comes along your way. You should always look into its legitimacy to ensure that your effort, time, and determination will not be wasted.Looking for a profitable home based business for moms?

Home Based Business Ideas for Women Who Definitely Want to Make Money And Raise Families

You shouldn’t have to choose between going out to work and staying at home with your family. While making a living is important, so is being there to witness the major milestones in your children lives. Unfortunately with the state of the economy, many families are forced to become two-income families just to provide a comfortable live style for the family. Fortunately, the growing trends in home based businesses allows parents to spend more time at home while still providing a comfortable lifestyle for their families. The best home based business ideas for women, involves women creating a work schedule around their family life; having a home based business, means that you will never have to miss a milestone in your child’s life.Home based online businesses allow the working women to maintain the dual role of a professional businesswoman and involved family woman. Working from home has several advantages, in addition to working your own hours, as an entrepreneur you make the managerial decisions regarding the direction of your business. Initially you might experience some anxiety or fears, but with the right planning and structuring your business could become a financial cornerstone for your family.So WHAT IDEAS DO YOU HAVE for starting a business? I know you must have some ideas in mind or you wouldn’t be reading this article. So what are your ideas… How long have you had them…and have you written them down. If you haven’t written your ideas down, then that’s the 1st thing you need to do– even if it’s just a single idea write it down. Think about what it is you have written. Can you see yourself turning your ideas into a business. Maybe your idea is just a hobby you have, not sure if your idea could work, go online and Google your idea and see what comes up Are there businesses online with your idea…..If there are will it be easy enough for you to compete…if competition is stiff, maybe there’s a market that hasn’t been tapped into.Another thing you might do is to think about who your target market would be and take an informal survey from a variety of people who would fit into your market. You could do this survey just about any place where there are people– in supermarkets, department stores, malls, laundry mats, bus or train depots, anywhere people who fit your target market would be found.True, you could talk to friends and family, but strangers would be best. You could tell them that you were doing an informal survey and that you were thinking about selling a particular product or offering a particular service and you were wondering if they were to see what you were offering online, might it be something they would be interested in purchasing or taking advantage of.The combination of your informal survey and online research should give enough information to determine how viable your idea is. If you find that your ideas possibly may not work, again search the internet; you are bound to come up with a few doable ideas for a home based business.In setting up an online business, you don’t have to know a lot about computers, navigating the internet or maintaining a website in order to successfully run your business. There are online programs that will allow you to download the resources and tools you need automatically to set up your website, receive payment and assist customers with problems. Many of these programs are free of charge. Suggest you do your research to determine the ‘best fit’ for your business.Home based business ideas for women can be fruitful when the business plan is well thought out and organized. In-home businesses have low start-up costs and requires a relatively small amount of time to become established. After the first few months of operation, your business’s profits will exceed the amount of money you paid out in start-up costs and the business will begin to pay for its self.So if you’ve been on the fence thinking about ideas that you may have about setting up a business at home- Its TIME TO GET OFF THE FENCE and LET YOUR IDEAS BARE FRUIT! And while you’re at it…Think about all the benefits your family will be enjoying.

How to Successfully Market Your “Home Based Business”

Whether you are out of a job, looking to supplement your income or want some of the luxuries in life we all have one thing in common, we want to make extra money and a home based business is a great way to do this. An online home based business allows you to work from the comforts of your home.The first step to earning extra income in an online home based business is to have a computer and an internet connection.The second step is to find an online home based business that you believe in.The third step is to begin to build your business and this is where the work begins. Most people become disappointed when they have not made any extra money in the first few days, weeks, or even months. This is mostly due to a lack of understanding of what there actually is to do to build an online business. To build a legitimate online home based business is a continuous process of showing your business, educating yourself, applying what you have learned and marketing your business. The main objective to building your online home based business is to pitch your business to a specific targeted audience because you have to get your website in front of as many people as possible so they can see what your business has to offer. To earn extra income and show that your home based business is legitimate, you need to make your presence felt on the internet. You do this by marketing.There are many ways to market your home based business. You need to do this in a way that ensures that your website is optimized for the search engines to find you. You need to start choosing certain keywords and build back-links to your website to achieve good rankings in the search engine resulting in free targeted traffic that goes directly to your website. This whole process is called Search Engine Optimization (SEO).Here are 9 effective ways to market your home based business:Viral emails – This kind of marketing is done by sending out emails, using back-links to your website. There usually is a one- time fee for this service.Forum marketing – Join a forum and join in the discussions. Put a back-link to your website in your signature file.Article marketing – Article marketing is simply writing and submitting your articles to several article directories on a consistent basis. You use the author’s resource box to anchor your keyword and use a back-link to your website. This type of marketing can be totally free, all you need is the time to write and submit your articles. If you don’t have the time, you can hire a ghost-writer to submit articles on your behalf.Squidoo and Hubpages marketing – Here is where you are creating lens or hubs by writing articles. You use the same rules as in article marketing; create back-links and keywords in your resource box. This type of marketing is also free.Video marketing – Create YouTube videos from your articles and put your website on the video. This will create back-links to your home based business as well.Social Bookmarking – Join Digg.com, or like sites, and submit your articles, Squidoo lens, Hubpages Hub, YouTube video, etc. Then there are sites that will take your submissions and spread them out using an RSS feed. This again creates numerous back-links to your home based business website without having to rewrite all the work that you have done.Social marketing – Create a group and spread the word about your business. This can be done through Facebook and MySpace. Create a back-link to your website here as well.Twitter marketing – spread your seeds here creating curiosity about your home based business. You can then send them to your articles, blog, etc.Blogging – Talk about yourself and what you have learned. Share some information and put your website here, creating yet another back-link.These are only a few of the marketing tools that are available to you to use. Just make sure that you are consistent in adding your material and that your material has unique content and is educational. This will ensure that your presence is legitimate online and once this starts to happen it will generate traffic to your website.

Work From Home By Starting A Home Based Business In 3 Easy Steps

There is a revolution taking place. People all over the world are discovering the power within a home based business opportunity, and they are taking advantage of the economic disruption and income generating opportunities that these businesses are bringing to the world’s marketplaces. It has become clear that the work from home businesses have trumped the old business models of the behemoth corporations and their pension plans are going the way of the dodo bird. The public is waking up to the transformation, and many people have built massive businesses in just a few years.If you want to work from home by owning your own home based business, here are 3 easy steps that you can take to start a business and get it up and running:Step 1 – Find A Solid Opportunity That Excites You!There are many ways to build a business from home. One of the popular ways to build a business is to get involved with a company that offers individuals the ability to distribute products and services. There are many types of these opportunities available, and they are in many different industries. There are some in telecommunication, health and wellness, legal services, affiliate, and travel just to name a few.Find and research the work from home companies that interest you. Here are a few things that should be researched thoroughly before making a decision to jump on board and work from home with that company:• Compensation Plan – How will you get paid?
• Training – What training does the company offer, and how extensive is it?
• Products/Services – What will you be marketing? Are you passionate about it?Choose the work from home opportunity that best fits you and get ready to start.Step 2 – Get The Training To Be Successful.The first thing anyone should do once they choose to work from home in their opportunity is to dive in and get training on the business and its products or services. As in any business, the goal is to create sales production that produces monetary results, so it is imperative that you learn how to operate the business and how to talk to people about it. Every major player in the home based business arena has done a very nice job in supplying the independent business owners with adequate and proper training. Many of these companies have created extensive online training libraries and distribution channels that allow the business to be a true work from home experience.Step 3 – Create A Plan And Stick To It.Every home based business needs a plan. To work from home sounds nice and easy, but it will require a decent amount of effort in the beginning stages of the business. Without a plan, there is no guide to follow in order to grow the business and this is where most people tend to fail and quit. Find out how much time can be devoted to working on the business every week, and schedule those times out in advance. Make a plan for training, make a plan for phone calls, make a plan for personal meetings, and make a plan for marketing. If you truly want to be successful in your home based business, and work from home whenever you want to, then give it the respect that it deserves and go all the way. Plan for success, budget the proper time, and maintain the discipline to carry out the actions that will bring results.A home based business opportunity can afford unlimited income potential, and free up the time in our busy lives to do the things that we love to do. Taking a balanced approach to choosing a solid opportunity, getting the necessary training, and planning out a proper business venture are the keys to getting a great start.

3 Sources Where Your Small Business Can Get A Loan Today – Yes, Even Your Small Business

Now, when we talk about small business loans, we mean just that – small business loans. We are not talking about a $1 million loan to purchase some commercial real estate or $500,000 to buy some investment property. We are not talking about a $3 million credit line just to show capital on a balance sheet. And, we are not talking about a $250,000 equipment loan for a regional construction company.We are talking about true small business credit – loans under $150,000. Capital amounts that the 22 million small businesses in this country could use at some point in time for working capital, to renovate their location, purchase inventory, marketing, meeting payroll, developing new products or to simply have the capital on hand to acquire and satisfy customers (what business is really about).But, we have heard ad nauseam that banks are just not lending to small businesses – claiming there is too much risk in smaller firms. So, many small companies are not even applying for credit anymore out of fear of being turned down. And, as a result, we are seeing small businesses not reach for or obtaining their full potential – essentially letting profitable opportunities slip by.However, just because banks don’t see the true value of small companies, that does not mean that others don’t – others who are willing to do what they can to fund your business.The Benefits Of Small BusinessThere are some 22 million small businesses in the U.S. and they are quite the power house.According to the Small Business and Entrepreneurship Council, small businesses;Provide two-thirds of all new jobs in the nation.
Contribute almost 50% to our Gross Domestic Product.
Account for 97.8% of all exports. And,
Create 16.5% more innovation than larger firms.All items that help make America the country that it is.But, if banks think these firms are too risky, that is OK, because given the entrepreneurial spirit in this country, other financing firms (lenders) are stepping up to cover the small business loans that banks and traditional lenders will not. So now, you don’t have to be afraid of being turned down anymore.3 Sources That Will Fund Your Small Business1) SBA Loans: Sure, SBA loans have to go through banks – which are not lending. However, banks might not be lending for their own loan portfolios but they are lending under the SBA’s programs.Did you know that over the last three years, the SBA has been growing the number and dollar amount of the under $150,000 loans they back – even given that banks (who originate these products) are not approving them?From the latest SBA data;In 2012, the SBA guaranteed 14,520 under $150,000 loans for a total loan amount of over $802 million. In 2014 (two years later), the SBA increase the number of these loans to 16,043 with a total volume of $955 million – with a down year in 2013.Part of this increase is the fact that the SBA has reduced or waived its fees on these smaller loans. From the SBA’s website:”The SBA determined to eliminate the fees on loans of $150,000 or less after conducting a review of the 7(a) Loan Program. As a result, a small business owner obtaining a $150,000 loan will save more than $2,500.”Bottom line – the SBA is actually doing what it can to fund small businesses in this country – including yours.Programs to look for:The 7(a) program offers nearly any business loan under the sun from working capital to commercial real estate.The CDC/504 program only focuses on real estate and equipment lending. But, if your business needs either one of these under the $150,000 amount – including renovating your location – then by all means as this is a great program.And, the express program – which is capped at $350,000 – is a great program. Quick and easy access to needed capital.Now, for some quick benefits of SBA loans. The SBA’s guarantee does several things:By capping interest rates and fees, these products tend to be cheaper in the long-run for the borrower.
Lower down payment requirements – meaning that you can keep more of your own money in your own business.
Long loan terms also allow payments on these facilities to be more affordable. Just image which loan payment would be easier to make on a $100,000 loan at 10% interest. A bank may require the loan to be repaid in 36 months – making the monthly payment $3,227. While the SBA could extend the term to 6 years (72 months) making their monthly payment $1,853. The lower the payment amount, the easier it is to cover with current cash flow, making the overall loan less risky and easier to get approved.
Express programs can significantly speed up funding as some traditional business loans can take months to close while those under the express programs can be funded in the matter of weeks.If you have been fearful of applying for a SBA loan, knock it off and go apply!2) Alternative Lending: Alternative loans (non-bank loans) from factoring and business cash advances to revenue based loans have really picked up steam over the last 5 plus years.These lenders are focused solely on small businesses and as such have created products that allow them to approve more loans to companies that traditional lenders will not touch – by not using old and outdated underwriting standards but by focusing more on technology.Most alternative lenders – especially the leaders in this space – have seen their loan volumes (thus their approval rates) – increase by 150% or more year after year.A couple of examples: According to the SBA, their largest lender – Wells Fargo – approved and funded just over $266 million in small business financing last year. However, OnDeck Capital, a leading revenue based lender, nearly doubled that amount over the same period. Further, CAN Capital claims to have funded over $800 million in 2013 – far out pacing even the top 100 SBA lenders combined.While these loans are high-cost loans, they offer several benefits like approvals when other lenders say “no” as well as quick (in the matter of days) funding.3) New Players: Peer-to-peer lending is know for its ability to match regular people who have extra money to lend with regular people who need to borrow. These loans are typically personal loans that can be used for nearly any purpose – like starting or growing a small business.However, just this year, Lending Club – the leader in P2P lending – has begun to offer a true small business loan product where businesses can borrower anywhere from $15,000 to $100,000 at low rates. And, their approval and funding is not based on some standard cookie cutter formula that most businesses just do not meet but comes from regular people who listen to your story and decide for themselves the merit of your financing request.ConclusionCapital for your business is still available.Don’t always believe what you hear. Sure, small business lending is tight – when compared to the hey days of the mid-2000s. But, that does not mean that you still cannot get the funding your small business needs to start, grow and succeed.To truly know if your company is qualified for business loan all you have to do is one thing – and that is to apply. But, if you don’t apply, you will never know for sure and then all you can do is reflect on how far your business COULD have gone.

Social Media Advertising Vs Traditional Marketing Campaigns

Every time you try to research the effectiveness of social media advertising, you constantly obtain very vague and ambiguous. Does social media advertising really work? Is there a measurable return on investment? I think the answer to both of these questions is obvious. Yes, social media advertising works, and No, you cannot measure the return on investment. Digital zombies will have you think otherwise, but the there is no real measurable return. Consider the IPO of Facebook recently; many investors simply could not put their arms around a valuation of a company selling something intangible with no real data to support their marketing strategy.

Before we explore the context of this piece and get into deep, brain wrenching thoughts on how to effectively balance and structure your strategic marketing platform, first we must consider some data points.

Based on a non scientific study recently conducted, we ran some numbers on social media advertising platforms. The first was a Google AdWords campaign that received slightly over 28,000 impressions and got 128 clicks, that is a click-through rate of about .45%. The second was a Facebook campaign that received over 505,000 impressions with less than 45 clicks; this is a click-through rate of less than .01%. Finally, there was a similar campaign on Linked-In that had slightly under 30,000 impressions with a click-through rate of 15, once again a rate of less than .01%. At this point you can clearly see why the Facebook IPO was somewhat of a under-value proposition. In essence, not really, because you need to carefully weigh your total marketing campaign between many forms of media to effectively deliver your message and get measurable results, read on:

Let’s now look at the total dollars spent on marketing across all mediums in the U.S.:

Television: $66.4 billion in 2013 to $75.4 billion in 2012

Digital Media: $32 billion in 2013 to $61.4 billion in 2017

Television remains the top advertising medium in the country with an annual spend of over $66 billion in 2013 and is expected to capture the dominant position well into the future. With almost 2/3 of all marketing budgets being spent on TV and digital media, the real question is to extrapolate is the return on investment of one versus the other. I would speculate to say, despite vast opposition from the geek community, that TV is enormously more effective that social media. But don’t stop here, you need to be the final judge based on some of the data we will present.

Social Media vs. traditional marketing platforms: Social media is inexpensive, it is interactive, somewhat measurable, and in most cases very time consuming to accurately implement an effective campaign. Comparatively, traditional marketing is costly; it is non-reciprocal, somewhat measurable, and very tangible. Most proponents will tell you that an inverse relationship exists between effective growth and decline of each medium. On one hand, the pro-social media authorities will tell they are on the increase and traditional forms are declining, with the opposite being proclaimed from the traditionals. The fact of the matter is that both of them are growing and an effective marketing campaign will need to utilize both mediums.

The cost of social media marketing makes it extremely attractive, roughly $5.00 per thousand impression vs. $10.00/M for TV, $30.00/M for print and $55.00/M for direct mail. However, when it comes to engagement levels, Television is at the top with over 50% compared to Facebook at 12% and Twitter at 2%. Additionally, consumers place a higher level of trust with TV marketing because higher costs have a direct association to a more reliable message.

With traditional advertising we often measure a wide demographic reach as compared to social media where we can measure a more finite message to speak to an individual’s concerns or more customized message. Social media creates a broader overall customer experience that allows you to monitor and participate what people are saying about your brand or company. Unfortunately, designing a campaign to address these finite concerns is very difficult, primarily because the likes of Facebook and others do not share demographic profiles to allow companies to effectively target a specific demographic. Mark Zuckerberg recently purchased all the homes surrounding his Palo Alto residence because he was concerned with privacy, his company has collected more information on you that you care to know, if they ever release this data, look out, the barrage of targeted ads will be overwhelming.

What should the future of your marketing platform look like? It should contain a carefully balanced mix between traditional mediums and digital mediums depending on y0ur brand and company marketing objectives. As the chart above clearly illustrates, all forms of medium are alive and growing, with the possible exceptions of newspapers. Nonetheless, all need to be considered. Most people are tired of sharing information and are making their social profiles much more private almost to the point of being annoyed. Social media is not immune to users feeling like they have been mistreated, and if they want to proliferate, they must create useful interactions with their users.

We have become an empathetic society, Obama, his staff, and his economic policy has clearly demonstrated this cultural shift. Marketers need to focus on a strategy of “shared responsibility” and supercharge their movement to this platform. Shared responsibility? Yes, we have embraced a cultural change, a least temporarily, to have our life decisions run by 3rd party entities. It reminds me of being on the Titanic when the front of the ship was underwater and people and the back were saying, “I am just glad I am on the back of the boat” This may be an extreme example, but many consumers will be looking for targeted advertising campaigns to lead them rather than suggest.

The millenials (18-34 year old) continue to demonstrate unprecedented interest in working together to support this empathetic society. They believe a fractious government unable to make meaningful change for the better is the way to the future. Marketers need to recognize that this is the number one force in America and beyond. This philosophy dictates that you deliver value and relevance that can be measured on the same scale that the millenials think, your marketing strategy needs to embrace these behavioral changes while increasing sales. See my publication entitled “The Gen Y Influence” and “Marketing Strategy for the Gen Y Influence”.

I believe this will be the year of the global “drop” in terms of more localized marketing platforms. Consumers will be further influenced by localized marketing campaigns that hit the heart of their sphere where they live, where they shop, and what they buy. As stated earlier, people are getting tired of being ruled by Google algorithms and will be looking to make decisions that are free of some digital result. Look to employ five local marketing officers than one global marketing officer, it will provide dramatic results. Consumers will be looking for coherence, impact, pleasure and simplification from the brands they will be supporting.

Anticipate a movement in the future towards a disconnection from the online community to a more traditional approach. Consumers are looking for more touch, more connection, and more fun from marketing strategies. So ask yourself this question, “Ask not what your customers will do for you, but what can you do for your customers”.

Conclusion: How you interpret this report is entirely up to you and should be structured towards your brand and company strategy. In essence, it is critical that you understand your customer and your marketing campaign. At the end of the day, no one can effectively place a value on digital media; no one has been able to determine if the return on investment is worthy. However, the one take-away is this: digital media has an enormous impact and cannot be overlooked, it is inexpensive to implement but difficult to target. Digital media needs to be combined with traditional forms of marketing to create the most effective strategy.

The Elements of a Good Advertisement

Advertisements are all around us. Whether we’re watching television, driving down the freeway, flipping through a magazine, or listening to the radio, we are bombarded on every side by messages trying to get us to buy a product or service. And although there have been countless debates over whether or not advertising is effective and whether it really does influence people to purchase products, the fact is many companies will spend billions of dollars on a single advertisement in the hopes that it will increase their profits.

Good advertisements have the power to make people stop and take notice. You have to have been living under a rock not to notice the success of Geico’s caveman series or the iPod’s silhouette series of commercials and advertisements. And as a result of those advertisements, sales went up significantly for those two companies.

Advertising creates awareness of the product and can convey messages, attitudes, and emotions to entice and intrigue audiences. At least those are the desired effects of an advertisement. Needless to say, some advertisements fail miserably in their purpose.

So, what makes the difference between a successful advertisement and an unsuccessful one? It’s all in the design. Typically, larger organizations produce more effective advertisements, while newer and smaller companies are the ones that produce the duds. This is largely because bigger organizations have the money to hire professionals while smaller companies do not.

The advantage of hiring an in-house advertising developer or hiring an advertising agency is that you get the skills of people who have been trained in creating effective advertisements. Many have spent years and years going to school, studying past effective advertisements, looking at elements of design, and learning how to create their own effective advertising campaigns.

Learning how to create effective advertisements does not happen overnight, but there are a few simple rules that many workers for professional advertising agencies follow to create effective advertisements that will appeal to audiences and hopefully increase the company’s revenue. The following paragraphs list a few advertising principles that companies and advertisers follow when creating their own advertising campaigns.

Perhaps the most important quality of an advertisement is its uniqueness. In a world where people often see hundreds of advertisements a day, an advertisement must be unique and different in order to capture audiences’ attention. Going back to the iPod example, the single block of color with an image of a black silhouette was extremely effective at the time because it was unlike anything else around it. The simplicity of the advertisement stood out against posters and billboards that had busier images and much more text. Also, the use of bright, bold colors made people stop and look at the image. Even though the advertisement had little text on it, people got the message that this product was new, fun, and bold.

Of course, there are a variety of ways to make your advertisement stand out. Look around your area and write down descriptions of advertisements you see. What are the trends? Are they text heavy? Do they use similar colors? What kinds of images are on the advertisements? Once you start noticing trends, try to think of ways your advertisement can go against those trends and be something different–something that will make people stop and look.

One word of caution: Once you’ve made people stop and look at your advertisement, they need to be able to understand what you’re selling. You may have the most eye-catching image on your advertisement, but if it is completely unrelated to your product or service, then viewers won’t understand what you want them to buy. So, be sure that when you are selecting your images and text for your advertisement, people will understand what you’re trying to sell.

A well-designed advertisement will also communicate well to audiences. In order to figure out how to make your advertisement effective, you need to identify your audience. Who are you trying to target? Teenagers? The Elderly? Business people? Parents? There are a variety of different audiences, and the more specifically you can identify the audience for your product, the better chance you have of designing an ad that will effectively influence your audience.

For instance, if your audience consists of young teenage girls, you might choose to use bright and bold colors, but for business people you may want to create an advertisement that uses more professional blues and blacks (but don’t be afraid to be a little bolder if you’re trying to stand out).

The key is to think of the general traits of your specific audience and try to reflect those traits in your advertisement. What do they value? What do they fear? What motivates them? Once you’ve answered those questions, it should be easier to come up with a few solid ideas for an advertising campaign.

Once you’ve developed some ideas for an eye-catching advertisement and identified how you want to communicate with your specific audience, some good, solid design principles need to come into play. The advertisement needs to be legible. Viewers shouldn’t have to work to get what you’re trying to say. The advertisement needs balance. One side shouldn’t feel heavier than the other. The advertisement should also make good use of contrast, repetition, color, and pattern. When these design elements are implemented well into an advertisement, the result is a fabulous ad that will appeal aesthetically to viewers.

The above is just a brief overview of what advertisers have to think about when designing an ad. You can see why many people find it helpful to hire an advertising agency to help them develop ideas and create effective advertisements. And whether you’re looking for a Seattle or a Miami advertising agency, you shouldn’t have a problem finding an organization in your area to help you create the perfect advertisement campaign for your company.

The Finer Points of Internet Auctions

WHAT IS A PENNY AUCTION?

Penny auctions have exploded in popularity with the massive growth of the internet. However, few people know the true origins of penny auctions.Beginnings actually stretch back to the Great Depression. Those were hard times for everyone, but even harder for farmers. Farmers struggled to bring in steady income because of droughts and crops not selling as well as they had previously. As a result, the banks would foreclose on the farmers who couldn’t keep up with their mortgage payments.

The banks weren’t satisfied with just repossessing the house, they wanted to raise as much capital as possible, so they resorted to selling off the possessions of the owners of the repossessed houses. There was not much the farmers could do about it so they began bidding ridiculously low prices, pennies, on the items while threatening others who dared to bid higher than a few pennies.

The auctions of today hardly resemble their tremulous beginnings. Being part of a penny auction today is exhilarating, fun, and addictive. It combines the selling format of auctioning with a little bit of chance factored in.Auctions are a game of strategy but also a game of luck.

The premise behind penny auctions is giving people the chance to win an item at a drastically reduced price.Auctions make that possible by spreading out the cost of the product among multiple bidders. In order for a person to take part in an auction, they must pay a set price for each bid. For example, if a person wanted to bid on a fifty dollar Amazon gift card then he would spend a dollar for each time a bid placed. If he ended up winning the gift card, then he would only have spent a few dollars for a fifty dollar gift card. Usually penny auctions sell bids in packages.

HOW PENNY AUCTIONS WORK!

The main foundation of penny auctions is the pay-per-bid format. It is the key that allows bidders to win items at the fraction of their retail value and allows the auction owners to keep their site profitable. Most y auction sites run on the same premise: people pay a set amount for each bid, whenever a person places a bid within the closing seconds of the auction time will be added, the last person left with a unique bid after the clocks runs out will win the item. There are a large variety of items that can be won, but they tend to be popular electronics or gift cards to popular stores.

There are two types of auctions: lowest unique bid auction and highest unique bid auction. Lowest unique auction sounds confusing but it is actually quite simple. A unique bid is when only one person has a bid at a certain price. Bids usually start at one penny, a bidder can then place a bid at two pennies. Until another bidder places a higher bid, the most recent bidder will be the lowest unique bid because that was the only bid at two cents and nobody bid higher. However, penny auctions generally don’t stop at one penny. It is not uncommon to find auctions that end up at a couple hundred dollars based on the popularity of the item being auctioned. However, the same principles apply for those auctions. Highest unique bid auctions follow the more traditional auction format such as eBay. The person with the highest bid at the end of the auction wins the item.

Auction site owners turn a profit by selling bids. Say twenty people are bidding on a ten dollar gift card at one dollar per bid, at the end of the auction if there were twenty bids placed in total then the site owner would have made twenty dollars with a ten dollar profit.Auctions do seem like a win-win situation:The site owner makes money while the bidder gets an item for dirt cheap. However, not everyone wins in penny auctions. The people who paid one dollar each bid but left with nothing to show for their investments will not be so happy.

HOW TO WIN!

Penny auction has a lot of chance mixed into it, but one can incorporate strategy that will help raise the chances of winning. Playing smart can make all the difference between gambling and auctioning.

The first crucial tip to winning penny auctions is to know how to manage your bids. Your goal should be to win as much as possible without spending a ton of money buying bids. Managing your bids means that you should already know how much you are willing to risk in order to win an item. The amount of capital you are willing to risk will determine how many bids you can use. Once you know how many bids you have to spend on an item, then you will be better able to manage how and when you place a bid. That will keep you from blowing away all of your bids in the first few seconds of the auction.

The next tip is to practice time management. When fighting in the trenches of penny auctions, you have two enemies: other bidders and time. Knowing when to bid is a must if you want to have success. Placing a bid when there is a lot of time left on the clock is never a good idea. You have to remember that the key to winning a penny auction is being the last one standing when the clock runs out and that each bid increases the amount of time left. It would be a good practice to wait until the last few minutes of the auction before you begin to bid.

The final tip for successful auctioning is to keep your emotions under control.Auctions have a lot of similarities to gambling, and just like gambling, your spending can get out of control. If you keep your emotions level, it will keep you from making rash decisions and blowing loads of cash. Keep your mind clear so that you can gage the behavior of the other bidders and outsmart them.

HOW TO AVOID SCAM SITES!

Penny auctions are a great addition to the web whether you want to win an item that otherwise you wouldn’t be able to afford or if you simply enjoy the thrill that comes with bidding in auctions. Unfortunately, scam sites have tarnished the reputation of the legitimate penny auction sites. However, there are ways that you can protect yourself from scamers and enjoy your auctioning without having to worry about losing your money due to dishonesty.

Checking the reputation of the auction site before you start spending your hard earned money is always a good idea. Chances are other people have tried the site before you and some of them have left reviews. The reviews are your way to gage whether a auction site is trustworthy or not. If a site is getting overwhelmingly negative reviews, then that is a clear indication that you should steer your business elsewhere.

Another tool you can use to protect yourself is checking the Alexia ranks of the auction sites. Alexia rank will give a solid view of how much traffic the auction is getting. If you see a huge difference in the amount of traffic Alexia is projecting and the amount of active bidders on the site, then warning signals should be ringing in your head. Some auction sites have been known to set up robots that automatically bid on projects in order to keep the auction going and inflate the price. That is known as shill bidding. You can sniff out those sites by comparing the traffic the site should be getting to the amount of users using this site.

CONCLUSION!

New legislation may come out later down the road that will officially make penny auctions gambling, but until then, it is a fun, exciting auction that allows one to win the item they’ve always wanted but couldn’t afford.Auctions are also quite lucrative for the site owners because of the pay-per-bid strategy they’ve incorporated. Penny auctions had humble beginnings with farmers who just wanted to get back at the banks who kicked them out of their house. More recently, auctions have enjoyed an explosion in popularity with the rise of the internet.

There are two main formats fora auctions, lowest and highest unique auction, however they both run on the same premise where the last unique bid wins the item. Winning a penny auction will require a certain amount of mental tactic and a bit of luck. However, you can increase your odds of winning by practicing certain techniques such as managing your bids wisely, learning how to work with the time, and keeping a level head and your emotions under control. When you combine those three strategies to your bidding plan, you will find that you win a lot more often.

It is important that you do your due diligence to protect yourself when participating in auctions. Not every auction is run by honest and trustworthy people. There are people out there who just want to take your money. You can protect yourself by ensuring that you only bid on sites that already have a very positive reputation from real users.


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