Before purchasing life insurance as an investment, a potential investor should understand a few things about the types of life insurance and how they work. Basic life insurance can be broken down into two major categories, term insurance and whole life insurance.
Term insurance is insurance for which one makes annual premium payments in exchange for a death benefit. This is the least expensive type of life insurance and cannot be purchased as an investment. The death benefit is all that one receives from term life insurance, provided one passes away while the policy is active.
This type of insurance is ideal if you do not believe you will need life insurance in your later years; the older one becomes, the higher the premiums for term life insurance. The primary purpose of term life insurance is to protect those people who depend on you; as one gets older, most people accumulate retirement savings and/or their children become self sufficient, decreasing the need for term life insurance.
Whole life insurance, also known as permanent or cash value life insurance is the second type of life insurance and can be broken down into whole life, universal life, variable life, and variable universal. In general, cash value life insurance offers protection throughout one's entire life, and also includes an investment — the cash value. Only a portion of the premium payments on a cash value life insurance policy cover the actual insurance. With the other portion of the premium, the insurance company sets up an investment known as an accumulation account which is invested in interest-bearing securities.
The cash value reduces the amount at risk to the insurance company and thus, the insurance expense over time. The owner can access the money in the cash value through policy loans or other options which reduce the death benefit. Accordingly, premiums for such policies generally tend to be higher than those associated with term life insurance, at least in the earlier years.
Are you an entrepreneur, solo business owner or freelancer? Are you keen to get regular business advice but don’t have the time to work out which blogs to subscribe to? Well, we’ve done the research for you.
Here’s a collection of business blogs aimed at entrepreneurs and small businesses. These have been chosen for their insights, advice, presentation and overall appeal to business people. Hopefully you’ll find these blogs cover all the business management advice and business trends analysis for your needs.
1. Harvard Business Review
Harvard Business Review is a staple in any entrepreneur blog collection. The blog delivers timely business analysis and professional management advice.
2. Young Entrepreneur
When you’re just starting our with your business venture, things can be a little tough. Young Entrepreneur focuses on the things you’ll need to know – financing, bootstrapping, identifying opportunities and making sales.
3. 64 Notes
64 Notes gets straight to the nuggets of gold by bypassing straightforward management tips and filling each post with those eye-opening things that change your business from alright to amazing. They also write a lot about how to avoid being the start-up that failed.
4. The Personal MBA
The Personal MBA is a blog dedicated to teaching all the tips and tricks you would have learned if you had done a degree in business. It recommends books, summarises books and draws on advice given freely by great minds in business. If you follow this blog you will learn a great deal about managing your business.
5. Instigator Blog
Instigator Blog is a very insightful blog, mainly discussing thoughts relevant to small business and entrepreneurs, written by an entrepreneur as he works on his business.
6. Fast Company
Fast Company is a major business blog, covering business news and trends. It’s vital information if you want to know where business is heading.
7. Entrepreneur Blog
Entrepreneur Blog is a site dedicated to providing business insights to entrepreneurs. It will analyse business failures, successes and trends, while offering sensible advice for any business owner.
8. The Entrepreneurial Mind
The Entrepreneurial Mind is a business blog written by a Belmont University professor of Entrepreneurship. His academic insight into the world of the entrepreneur is a great balance to the news and trends offered by other blogs.
9. Creative Web Biz
Creative Web Biz is a great blog for all the artistic entrepreneurs out there. This is a place for those people who are entrepreneurs, but don’t much care for all the business management advice and trends. This blog is entirely focused on how to get that art out there and sold. Highly recommended for musicians, artists, and makers of other crafts.
10. Work Happy
Work Happy is a blog offering advice for anyone in business for themselves. It’s useful for freelancers, small business owners and entrepreneurs alike. It features a lot of video presentations from entrepreneurs to keep things interesting.
Bonus: Entrepreneurship Interviews
Entrepreneurship Interviews added itself on to the list by being a wealth of information in the form of interviews with entrepreneurs. It’s not much to look at, but there is a lot to be gained by listening to what other entrepreneurs say candidly about their own business ventures.
More Blogs
If you’re keen to see some more great blog lists from MakeUseOf, read on:
- Four Best Inspiring Blogs Every Life Hacker Should Subscribe To
- 3 Personal Finance Blogs That Will Get You Out Of Debt
- The 10 Most Stunning Photo Blogs
- 6 Best Web Design Blogs To Follow
- The 6 Best Blogs For Architectural & Interior Design Ideas
If you know of other great blogs for business people, let us know in the comments!
Image Credit: Shutterstock
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What is natural search engine optimization (SEO)?
Natural, or Organic, Search Engine Optimization (SEO). It's a process of making your site more search engine friendly by optimizing the entire website design and content. Then the site will be visible in SERPs against optimized keywords or Key phrase.
Why is SEO important?
Search engine optimization is important for a number of reasons including:
- 36% of searchers attribute top organic position with brand quality
- 60% to 70% of all search traffic comes from organic listings
- 90% of organic search traffic is driven from the top five listings
- 62% of searchers view only one page of results before clicking (Jupiter Research)
- Having the No. 1 listing in both organic and paid search can increase click rates by three times
How do natural search differ from paid search?
The primary differences are:
- Paid search can be launched quickly. Natural search generally takes months to show a return.
- Paid search focuses on a large number of keywords. Natural search needs to be focused on a few high-return keywords.
- Paid search is highly measurable. Tracking results on natural search is more difficult (although not impossible).
How much time will it take to see SEO result?
Time is most important factor in SEO life cycle. Once your website cached by search engines, it will take at least 2 weeks to update the results.
Can any one guarantee a #1 ranking in Search Engine?
No. No one can guarantee a #1 placement in SERPs (Search Engine Result Pages), as there are simply too many factors outside our control. In fact, in Google's Information for Webmasters, they recommend that companies beware SEOs that guarantee results.
We are, however, willing and able to make a guarantee as to our SEO ethics.
Will my website stay at the #1 position once my website is placed there?
Search Engine ranking fluctuate frequently. SEO is an on going process. However if your website is maintained by SEO Specialist month to month then it can be stay in top positions.
How long will it take to see results?
This largely depends upon how old the site is. If the site is new, you shouldn't expect to see significant results from Google until the site has been in Google's index for at least six months. Results for new sites can be seen in Yahoo and MSN, generally less than three months.
For sites that have been in existence for a year or more, results from on-page optimization can generally be seen within a few weeks of being placed online.
Google, is highly dependent upon links in its calculation, and prefers links that have been in existence for a long time. As a result, if the market space is competitive, it may take six months or more to see significant results.
What is SEO Copywriting?
In a webpage where the same keyword is repeated again & again, in a way that makes it very difficult to understand what the page is actually trying to say. This is SEO'ed copy.
SEO copywriting is the creation of website copy that includes heavy usage of keywords in hopes to move a page up the search engine rankings. It is generally written to a particular "keyword density", which will supposedly perform well in the search engines.
For search engines with a heavy reliance on on-page factors, such as MSN, or for particularly uncompetitive keywords, SEO copywriting might work, at least to a certain degree. For keywords with any amount of competition on Google and Yahoo, however, it is rarely effective.
What's more, even if the SEO'ed copy works in a search engine, it is rarely effective for the human beings visiting the site.
In addition, SEO copywriting can be very profitable for the SEO firm, as the search engines regularly change their preferred keyword density. This results in more work for the SEO firm as they rewrite the SEO'ed copy, and up charge the client.
We prefer not to use SEO copywriting. We recommend that the targeted keyword be used in the page's copy, but used in a manner that is natural sounding and effective for readers. Our SEO efforts focus on other on-page factors and most importantly - links.
Does this mean copywriting is not important to SEO?
Copywriting is certainly important in SEO. The copy of a website should always be written to maximize the return on marketing dollars. If the visitors to a website do not convert to leads or sales, then the efforts on SEO are wasted.
The copy of a page should focus primarily on effectiveness and conversion rate. Simply use the page's keywords in a natural manner, and optimize the other on-page factors and links.
Also, landing pages can be created to address specific keyword needs that cannot be found on other parts of the site. Each such page must have substantially unique content and not employ deceptive techniques such as redirects, or run the risk of receiving penalties from the search engines.
We offer a full range of copywriting services which can be used in conjunction with either our paid or natural search services.
Do you engage in unethical SEO?
We tend to not see SEO in ethical terms. Notwithstanding potential issues of deception, the way one structures one's webpage is not a concept that should inspire discussions of morality.
There are, however, issues of risk management and tolerance with SEO. Certain techniques might run the risk of being blacklisted by one or more of the search engines. Typically, the more competitive a space is, the more risky the needed techniques are.
As SMO Solutions Search does not work with companies in the truly hypercompetitive space (e.g. gambling and pornography), we have never needed to resort to risky techniques to achieve the rankings our clients demand.
One aspect of SEO that can raise ethical questions is the communication between the SEO firm and the client. Some firms engage in risky techniques without informing the client. That is certainly unethical.
Another area of potentially unethical behavior can be found in firms that provide "SEO" services by building a network of their own sites that drive traffic to the client's site. These are often sold on a per click basis. While this is a viable marketing model, many clients do not realize that the moment they stop paying, the "SEO" they've been buying goes away. In fact, many SEO firms will then turn around and sell this traffic to the former client's competitors.
Apogee Search's SEO practice is built around achieving superior results in the natural listings of the search engines. Baring an algorithm change in the search engine, the traffic does not go away if a client does not continue to engage with Apogee Search (although listings do tend to degrade over time if continue SEO efforts are not made).
Do you offer search engine submission services?
We'll let you in on a secret, assuming a page can be read and indexed by a search engine's search bots; all that is needed to submit to the search engines is a link from a page on another site that is in the Google index.
The automated submission services that you receive constant email spam for are, at best, a waste of money. In many cases, they can actually hurt your site's performance in the search engines, as repetitive submitting of the same site can cause the search engines to invoke a penalty.
How do you select keywords?
Ideally, keywords for natural search are selected by using data from a properly configured and managed paid search campaign. This way, keywords that generate leads and/or sales are certain to be focused on.
Alternatively, detailed analysis can be made on a group of potential keywords to measure their relative search volume and competitiveness, but this data is greatly strengthened with the addition of conversion data from a paid search campaign.
Will you make the changes on my website?
We are not a web design firm, and don't manage the actual pages of your site ourselves. We do, however, make specific, detailed suggestions of changes. And, if you do not have the staff to make the changes yourself, we have a number of web design firms that can do this for you.
What about link rental or purchase?
One of the dirty little secrets of the SEO industry is that many of the people at the top of Google bought their way there through paid links.
Many links can either be bought on a one time basis, or rented month to month. One of the biggest advantages of this is the ability to configure the link exactly how you want it for maximum SEO benefit (begged links often have to be accepted "as is").
Competitive market spaces are likely going to require paid links. We typically recommend either purchasing permanent links or budgeting link rental for at least six months (preferably eight or nine months). Links must "age" before Google allocates them their full benefit.
How do we track the results?
Many SEO firms create their own fuzzy metrics, generally around the idea of "visibility". If a particular key phrase improves from a ranking of 100 to a ranking of 20, they call that a 500% visibility. Rarely do you see such firms concerned about the traffic the rankings bring to your site.
While we certainly monitor rankings in the search engines for our targeted keywords, we are much more concerned with the traffic those rankings generate. And, we are happy to work with you to connect the traffic generated by the search engines to specific leads and sales.
Shankar soma is an experienced SEO, SEM and SMM consultant. He has authored several marketing manuals for small business owners and ecommerce agents. He is a contributing author to several websites and offers advice on dominating Google search results at http://www.shankarsoma.wordpress.com Article Source: |
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