Author Archives: ernie

Lifestyle Guidelines

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The following statements are a series of lifestyle guidelines that more and more people are beginning to think about as they age. Health becomes more important than bling. Family has tremendous importance as well. What are your priorities?

As we grow older, and hence wiser, we slowly realize that wearing a $300.
or a $30.00 watch – – – – – – – they both tell the same time

Whether we carry a $300 or a $30.00 wallet/handbag – – – – – – – the amount of money inside is the same

Whether we drink a bottle of $300 or $10 wine – – – – – the hangover is the same

Whether the house we live in is 300 or 3000 sq. ft. – – – – – – loneliness is the same.

You will realize, your true inner happiness does not come from the material things of this world.

Whether you fly first or economy class, if the plane goes down – – – – – you go down with it

Therefore. I hope you realize, when you have mates, buddies and old friends, brothers and sisters, who you chat with, laugh with, talk with, have sing songs with, talk about north-south-east-west or heaven & earth ….. That is true happiness!!

FIVE UNDENIABLE FACTS OF LIFE:
1. Don’t educate your children to be rich.

Educate them to be Happy. So when they grow up they will know the value of things not the price.

2. Best awarded words in London …

“Eat your food as your medicines – otherwise you have to eat medicines as your food.”

3. The One who loves you will never leave you because even if there are 100 reasons to give up he or she will find one reason to hold on.

4. There is a big difference between a human being and being human. Only a few really understand it.

5. You are loved when you are born.

You will be loved when you die. In between, You have to manage!
If you just want to Walk Fast, Walk Alone!

But if you want to Walk Far, Walk Together!

lifestyle guidelines – SIX BEST DOCTORS IN THE WORLD:

  1.   Sunlight
  2.   Rest
  3.   Exercise
  4.   Diet
  5.   Self Confidence and
  6.    Friends

Maintain these lifestyle guidelines in all stages of Life and enjoy healthy life  The older we get, the fewer things seem worth waiting in line for

3 Things You can Do to Make Your Freelancer’s Life Easier

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Make Your Freelancers Life Easier.A lot of businesses nowadays decide to save time and money by outsourcing some of their tasks to freelancers. Some of these business transactions go pretty well, whereas, with other business dealings, clients very often end up arguing with freelancers. The second option is not good for anyone; freelancers get a bad review, and the client ends up with one as well, making it harder for both of you to have successful transactions in the future. There are ways to Make Your freelancer’s Life Easier.

Very often, these arguments are a result of miscommunication. So, the following article is here to help you negotiate with freelancers so that, in the end, both of you are satisfied.

Make Your Freelancer’s Life Easier – Be careful who you choose

The first thing you need to worry about is who you are going to pick to do your job. It’s always more reliable to pick outsourcing companies, since they usually specialize in the task you want to outsource, and have more working experience and manpower. This rule applies to the BPO type of outsourcing since KPO usually requires one specialist to complete the task. Make sure you check their previous customer feedback and reviews and select a company that is up to the task.

Be as specific as possible

Being vague won’t do anyone any good. If you have selected a freelancer or a freelancer company you think is up to the task, you need to give them good examples. If they have a work sample that corresponds to what you are interested in, make sure you pointed it out.

You may also find something similar online and give them a link. The more guidelines you supply, the better. Finally, if you can’t find any samples, then write down the instructions they need to follow closely.

Make Your Freelancers Life Easier – Updates  

If you are outsourcing a copious project, then it is imperative that you monitor the progress. If you notice anything wrong, you need to point it out immediately, and those mistakes will be avoided in the future. You might think about how this only means more work for you, but it is better this way. Once you and your freelancers establish fine communication, you’ll have a reliable team at your disposal that won’t need constant monitoring.

If you follow these tips, you will create an outsourcing group that you can trust. It’s highly unlikely that someone can immediately guess what you are after on their first try, especially if the project is complex. So, it’s always better to work on communication from the very beginning.

Why do you Need Great Blog Post Meta Descriptions

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Why do you Need Great Blog Post Meta DescriptionsOur last post discussed why do you need great blog post meta title tags. This post is focused on why do you need great blog post meta descriptions? Both the title tag and the description of your post contribute a great deal to the SEO ranking of your web page in the search engine results.

Make them great, along with well-chosen keywords and your web page will rank well in the search results which is the first step in having an actual human being look at your content. You want to be in the first page of search results and preferably above the fold so that readers will review your listing and make a decision to click on your web page vs. someone else. Use your keywords in the description, but have them make sense as well. Avoid keyword stuffing, this turns the search engines off as well as readers.

Why do you Need Great Blog Post Meta Descriptions – CMS

Content management systems like WordPress will automatically create your meta description tag for you. They use the first few words of your post. You can also manually create them as well. However, in both cases make sure they are of high quality. They should describe the content of your post in a few words to entice the reader to click on your post.

This brings us to the second reason why do you need a great blog post meta description. Readers have lots of information available to them. There are millions of competing websites. You want to make your summary, description, or snippet as they are sometimes called as attractive as possible. Are you solving the reader’s question? If he or she clicks on the post, will they get the answers they are looking for? Always focus on high-quality content using the keywords you are focused on. Avoid keyword stuffing. This can make the content look unnatural and difficult to read or even make sense of.

Why is Compounding Important to Retirement

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why is compounding important to retirementThe question, why is compounding important to retirement is one that everyone should understand the answer to. Take advantage of compound interest, compound dividends, and income. Your retirement savings are going to be significantly higher. Your quality of life is going to be much better in retirement. This is where you let your savings work for you and help you. Many people would say that interest rates are so low right now that it does not really matter. You are not going to earn much anyway. Yes, interest rates are low, but even 3% income is better than no income and over 30 years it can still add up to a significant amount. A few examples will help to illustrate.

Why is Compounding Important to Retirement

If you start saving $100 per month at age 25 for retirement and continue until you are 55 assuming that you do not generate any kind of interest or dividend income, your savings will be 30 years times 12 months times $100 = $36,000. Not very much and not enough to live on in retirement.

If you averaged 3% over those same 30 years,  your savings would jump to over $58,000. In fact, your compound income is almost equal to what you contributed. Interest rates and dividend rates are low at this time, however, over 30 years they probably will average close to 6% making your $100 investment over 30 years grow to over $100,000!

Consumers who can save more for retirement or who work longer will find that their money grows even further. Many people will work until they are 65 or 40 years in our example. Their money would grow to almost $200,000 at 6% or almost double over that extra 10 years.

If you can save more early on, your compound interest income is going to grow even faster. Focus on high-quality dividend-paying stocks that have a history of increasing dividends every year and you will do very well indeed over your working career.

Why do you Need Great Blog Post Meta Title Tags

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Why do you Need Great Blog Post Meta Title TagsThere are two fundamental reasons to write good titles for your blog posts. Why do you Need Great Blog Post Meta Title Tags and why are they so important? In order of importance, they probably rank in terms of SEO first and human reader second. From an SEO perspective, the title tag is one of the most important elements in the ranking of pages.

It describes your post and should contain all of the keywords that you are aiming for. The title should also be included in the first couple of paragraphs on your page. The title or at least the keywords should be also included in paragraph headings later on in the post. Your objective is to show to the search engines what keywords you are focusing on. Then follow that up with really great content. Use a content management system such as WordPress. This CMS will automatically place the title of your post in the title tag for you.

Why do you Need Great Blog Post Meta Title Tags – Your reader

The second major reason is your customer or reader of your post. The reader or person looking for something on the internet must choose from the results presented. Usually, 10, which one he or she will click on.

Making this decision is based on your title and how closely it represents what they are looking for along with the meta description that we will cover in the next post. Needless to say, if your title is not well written or does not correspond to what they are searching for, they will not click on your post.

Appearing on the first page of search results gives you a one in ten chance of being selected if you ignore the paid advertising. Make the title excellent if you want to improve your chances of being selected. Whatever you do, focus on quality title content and do not stuff the title with keywords that do not make sense.

Website BLOG content revisions and update schedule

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Website BLOG content revisions and update scheduleAs a website owner/manager, should you have a website BLOG content revisions and update schedule? The answer is most definitely yes. Some content will withstand the test of time and will always be up to date. Most content is in some way date sensitive or new information becomes available. If your site is suffering from age-related information, both readers and the search engines will become aware. Rankings will decline and readers will not stay on your site for any length of time. We believe the best way to keep your site fresh and up to date is to develop an update plan and schedule.

Website BLOG content revisions and update schedule

If you have a large site with hundreds or maybe thousands of posts, some kind of prioritization is needed. Consequently smaller sites can be handled easily by setting a schedule of once a week or more often as needed.

Many bloggers with thousands of pages can organize the updates to their pages in many different ways depending on what is important to the company. For example, the following could be some of the criteria used to set and manage update schedules:

  • New data available for various posts
  • New information
  • Brand new products or enhanced products
  • Changes to products
  • Adding details to a post
  • Updating popular posts

These are just a few examples. Some website managers might also look at poor performing pages. Improve their ranking by rewriting some pages. In other words, website managers want to improve the income stream on their site and ensure that all posts are contributing.

Develop a plan and a schedule. Subsequently, implement the plan and then assess the results. If you are not getting the improvements you were expecting, other changes and or updates might be in order.

Nearing retired stage of life how much life insurance do you need?

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Nearing retired stage of life how much life insurance do you need?If you are nearing the retirement stage of life how much life insurance do you need? This is the question that many seniors ask themselves. You probably have heard horror stories about people who canceled their life insurance and died shortly after. They left a huge debt for the family and no income to support dependents. They were simply trying to save money and did not expect to die so soon.

How do we know how much to have and when should we cancel our coverage? Frankly, it depends on your personal situation, both financially and your overall health. On a personal level, the writer has been evaluating their needs for the last few years. They have been decreasing the amount of coverage as they age and the need decreases. It basically comes down to how much debt you have, the income needed by dependents after you are gone, and your savings.

Nearing retired stage of life how much life insurance do you need?

If you are nearing retirement or are retired, add up your total debt and determine how your estate would pay for this debt. Sell the house, disperse your savings, etc. If you have enough to pay off your debt and you have no dependents then you probably have no need for life insurance.

On the other hand, you do not want to have your dependents left destitute. They should not be forced to sell the home and lose all of their family savings. Have sufficient life insurance to cover the debt that you owe. Also providing income as well might be the right answer. A life insurance salesperson can help you with deciding the correct amount.

By the time you have retired, your debt levels should be relatively low or zero. Pension income should be sufficient to support any dependents that you may have.

BREXIT Impact on Retirement Portfolios

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BREXIT Impact on Retirement PortfoliosEveryone is wondering what the long-term BREXIT Impact on Retirement Portfolios will be. Markets were down significantly and then rebounded again. In effect, in the short term, there has been little impact on portfolios so far. But what will the long-term impact be on your retirement nest egg? If anyone tries to tell you they know, don’t believe them. They just cannot predict what will happen in the future. There are so many financial decisions that will be made by governments over the next couple of years, that no one knows. It will take them several years to unwind the UK’s involvement in the EU. So what should an investor do in the meantime?

BREXIT Impact on Retirement Portfolios – Long Term

The bottom line, if you have a well-diversified strategy in quality investments stick to your plan. Adjust as you would normally be based on your plan and do not make any sudden or emotional changes.

There will be many more equivalent volatile events over the next few years. Investing for the long term means you need to be prepared for this volatility and invest accordingly. If you had spare cash available, you have already missed the window to take advantage of the downturn.

Timing the market is almost impossible for the average investor. Most people are far better off investing for the long term in blue chip dividend-paying stocks across a diversified set of companies.

Ideal Blog Post Length for SEO

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Ideal Blog Post Length for SEOWhat is the ideal blog post length for SEO (Search Engine Optimization)? The answer as it turns out is quite complicated. There is no minimum number or maximum number that you need to aim for. The answer is that every post must address the reader’s question. If you can do that in 100 words, great. Other situations or questions might take 2000 words.

In today’s environment where people are looking for fast answers, you are better off answering the question in the first paragraph. More detail can be provided in subsequent paragraphs if the reader wants more detail.

Ideal Blog Post Length for SEO – More Detail

The right content for every reader is different, but the blog should address the following:

  • Serves visitors needs by answering their questions and helping them complete their goals
  • Delivers an easy, pleasurable, accessible experience on every device and every browser
  • Gets the right information and experience to visitors FAST
  • Does all of the above better than any of the competitors in the space
  • Provides more detail if needed by the reader in subsequent paragraphs

If you can meet all of these goals in 100 words, great. If it takes more, then write the post accordingly. But do not add filler content or keyword stuffing words just to meet some apparent SEO guidelines.

Laid off – over 50 no pension no retirement savings – what now?

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over 50 no pension no retirement savingsI cannot imagine a worse nightmare. Being laid off and over 50 no pension no retirement savings! There are not many viable alternatives for someone in this situation. Obviously, the first thing they need to do is find another job. Aside from finding another job, they need to also really think about what they will do later in life. How will they afford to live? Where will they live and how will they pay for groceries etc? There are so many questions, but the bottom line is life will be difficult unless they find a solution to their problems.

Over 50  no pension no retirement savings

The following is a list of steps that can be considered to minimize the impact during retirement. Even by taking these actions and working hard at them, life will still be difficult. Here are the ideas we have for someone in this situation:

  • Become an extreme saver
  • Embrace forced savings
  • Plan to work well into your 60’s or even 70’s
  • Develop plans to move in with family
  • Minimize your costs in every area of your life
  • Take advantage of all government programs
  • Invest your savings carefully – diversely, high-quality blue chips
  • Avoid getting rich quick schemes
  • Work with an investment/savings advisor
  • Investigate your payout

If you were laid off every consumer should verify that they are receiving their full entitlement. What about locked-in pension money? Separation bonuses and other benefits should be considered. It may be worthwhile to talk to a lawyer who specializes in these situations. They can quickly advise you regarding your entitlements from your previous employer. Did they pay you enough when they laid you off?

Many people are amazed when they find out that they were not paid enough. This could be a windfall that needs to be invested carefully and saved for your retirement life.