Plan for Retirement Success

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Plan for Retirement SuccessEven the most basic plan will help you understand what your situation would be during your retirement.  Plan for retirement success to avoid surprises. The most basic plan looks at your income during retirement. Also your anticipated expenses during retirement.  The expenses are those you assume should be the average daily or monthly expenses that you would expect to have during your retirement years. You should also add in expenses for extraordinary things. Such as weddings, health issues, downsizing, and any special events that could take place during your retirement years. Assume taking 4% of your savings each year as income to assess whether you have sufficient savings. This is a simple method. There are more complex approaches, however, you can get started using the 4% rule.

Start Early With Your Retirement Plan

If you develop your retirement plan early enough it allows you to take the appropriate steps to ensure that you have sufficient savings.  If you wait until your late 40s or early 50s, to develop a retirement plan you may get some nasty surprise. Which suggests that you must work much longer than you anticipated.  If your objective is to retire at 55, a retirement plan that starts when you’re 25 can easily attain this objective.  If you have no plan and you’re already at 45 the chances of retiring at age 55 are remote. It is difficult to know unless you fall into an inheritance or have a large lump sum of money available.

Those people with a plan will tend to save more money towards retirement than anyone who does not have  a plan.  Having a plan means that you’ve thought about retirement. You have thought about what you need to do to accomplish the quality of life you’re working for while you are retired.

Plan for Retirement Success – Build Your Own Plan

You do not even have to have a financial adviser to develop your own retirement plans.  Keep it simple, make assumptions about your income. Make assumptions about your savings, Make assumptions about the amount of interest and capital appreciation that you will achieve in your savings plan.  With these basic assumptions, the majority of people will have more than sufficient income and savings while they are retired.

Keep it simple.  Consider all of your expenses to maintain your home, your utilities, holding, food and entertainment. If your home needs some updating such as new windows, new roof, a new furnace or of some other maintenance activity you will need to factor that into your savings plan and your retirement plan.  The next most important thing is then to set a budget for your daily expenses. Also most important your savings plan.

Starting early will ensure that you will have more than sufficient income. You will be able to live the quality of life that you and your spouse had planned for. For more information about retirement planning, click here.

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Web Development Services

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Web Development ServicesMost business owners really do not have an idea what we mean by Web development services.  Many of the small companies that are offering website development, content creation, and search engine optimization services probably don’t know that much about web development services either.  We certainly don’t pertain to be experts, however, we do know that what business, particularly small business needs is a website that works, and delivers the information they need to get out customers and provide another interface for their customers.  In this post, we will try to help you understand some of the basics of website development

What are the Basics of a Web Site?

The first step is the domain name, secondly, you must have a place to host your content, and finally, a program to manage your content is required.  The domain name is the URL  listed in your browser and can be a registered name of your company provided the URL is not already taken.  The domain name will point to the location where you are hosting your content.

This is the name of a hosting site such as Go Daddy and others who provide servers to host websites.  Now that you have a domain name, hosting site, business leaders need a program to help them manage the content so that they can focus on content instead of the HTML programming that makes the website operate.  The technical content management program we use is WordPress, which is the content management program that we are using in this particular site.  It comes with many themes, plug-ins, and capabilities that you can use to enhance the interaction with your customers.

Web Development Services – Content Management System

The content management system helps you manage the pages that describe your company and the services or products that you offer and regular posts about various topics that may be of interest to your customers.’  Included in the sales plan, products that have been added to the inventory, and so on.  Business owners can also decide if they want to allow comments from customers and for people browsing their site.  They can add pictures and video services whenever they wish.  Many people will improve their site by adding short videos that are also on YouTube.  The content management system will help you manage all of this content. It will help to ensure that it is organized. Also presented in an appropriate manner for anyone visiting your website.

Will the Search Engines Find Your Site?

Many people will launch a new website. They sit back and wonder where are all of the people browsing the content. Why are they not visiting my site?  You cannot get much traffic and cannot understand why the website that you spent a lot of money is not generating visitors to the site. Where is the increase in sales generated as a result of having a website?  The bottom line is that search engines have to find your site. They have to index your site for search terms that people typically use when looking for the kinds of products that you offer.  For example, if you run a pool company then you probably want to have lots of posts about pools you sell, installation, maintenance, and repairs to pools.  If you do not have this kind of information on your website chances are it will never be found.

What do They Mean Search Engine Optimization?

They are all types of theories about what it means to be search engine optimized.  Google, Bing, and Yahoo use many measures to make a decision. Which content to be offered to someone who’s doing a search using the search engine.  These factors determine whether your site is on the first page or the 1000th page of a search.  You can try to game the search process. However, experience has shown the best approach is to have a well-organized site. Use lots of original effective content that describes your company, the services, and products you offer. Include anything else that the customer may need specific to your business.  This is by far the best way to get a decent ranking with Google.

Web Development Services – How Can I Get Started?

Give us a call or send us an e-mail with what your needs are. We can get you going quite quickly with a  basic website. We provide you with information about how to become a search engine optimized so that the search engines will find your content.

Small Business Web Page Hosting

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Small Business Web Page HostingAfter talking to a number of small business owners, we have found that many of them would like to have a web site. They want one that they can control and do their own updates. One that does not have a huge expense associated with hosting service, web designer costs and so on. They are operating on a tight budget. They need a web page hosting solution that does not cost them a lot of money. It must be easy to update. They just do not have the time to develop the skills they need. Skills to arrange for hosting or to arrange to learn HTML or some other arcane language. But they want to be able to add their own updates. They want to post some of their own content without having to pay a web site manager a fee for doing this.

Small Business Web Page Hosting Solution

This is where our service can really help our customers. Clients can achieve these objectives. For a minimal fee on an annual basis, we can provide you with a location to host all of your content. We can set you up with a service that allows you to post your own content. If you are familiar with any of the traditional word processing engines such as Microsoft word for example you can use our service. It is very easy to use and post your own content including pictures and even short videos.

We will set you up with five pages that are generic in nature. Or we can customize to your business, and provide you with a login id and password. With some initial instruction you are ready to use your own web site to provide information to your customers. It is very easy and one of our customers has just done this and is ecstatic.  Click here to view his site.

If you would like more information about this service and pricing contact us using the contact page on this site.

Content Writing for a Business Web Page

Not everyone has the time or the desire to do even what we just described above. Some business owners feel that their time is better spent focusing on the core business and have someone preparing and uploading content to their website for them. They provide the general content which is then cleaned up and uploaded to their web hosting site. We can manage the site for you.

This package of services is a bit more expensive. But still much less than what larger web design companies are charging. Click here to view our services and let us know if there are any additional questions that you may have.

Your site can be up and running in less than 24 hours. If you already have your domain name, it can be pointed at our hosting service. Redirect of the IP addresses sometimes takes 24 hours to kick in. But then your customers will be able to view your products and services online.

Check out our services and let us know how we can help you get your business web page hosting service online!

Professional Web Designers

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Professional Web DesignersWe have all seen all kinds of web sites. Some are complex and difficult to navigate. While others have lots of graphics and do not really say very much. They do not get the message across to the reader. There are fancy web sites, with lots of colors, and animations, etc.  That is expensive to create and to keep up to date. The more complex a site is, the more expensive it is to maintain and keep current. Is this what you need for a small business website?

Great content that gets your message across about your products and services, how to contact your company and information about how to use the products and services along with saving money is really what most people are after. The fancy bells and whistles do not really do a lot for people and in some cases frustrate them.

Professional Web Designers – Basic Web Site

That’s why we deliver a basic website that tries to meet the needs of small businesses without being over the top expensive. We even have an option where we will host a site for you, install a blog content management engine and the first couple of pages, and then turn it over to you to develop your own content. Of course, we can do that for you as well. We just wanted to give small business owners who are on a tight budget or just getting started another option for building their web site and keeping it professional looking. Click here to find out more.

We can add great graphics or pictures for you as well that you provide. These pictures are jpeg files that are kept in a gallery on your blog. They can be sourced and introduced to any page or post that you wish.

Dense information I.e. Heavily populated content is hard to read and most readers do not get past the first paragraph. Stick to the point and get your message across in a few sentences.

Professional Web Designers – Budget

But how much do they cost? Click here to view our rates or contact us for the special hosting option with the blog install. It is very inexpensive and as long as you are willing to do some work updating and adding content, it might be the right answer for you.

Is it worth it?  What is the return on investment? This is what everyone wants to know. Developing a basic web site that is professional looking is not difficult.  Your return on investment can be measured by asking clients to let you know how they found you and placing a counter on the web site. You can add contact forms and comment areas. Add the URL to your business cards and all other advertising. Get your website out there.

What about stats?

We also can install a stat counter on your site and arrange for an email sent once per week to you to advise you regarding how many people come to your site and return to your site.

Do it yourself or hire a web site developer

The hard part is getting started and setting the basics up. Once you have a site, business owners can add their own content whenever they need to, or they can hire someone to do it for them. It basically comes down to the price they want to pay to keep a website up to date.
Check us out!

We provide hosting, a basic blog, add your content as needed, and help you grow as your business and online presence grows. It is an inexpensive way to get started.  Contact us today for a free estimate.

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Viable options to get out of student loan default and rejuvenate your credit rating

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student loanDid you recently find out that you have graduated college not only with a degree but with a huge loan? Do you have a huge burden of student loan debt? The debt crisis is the next big problem that is paralyzing the US economy. It is crippling an entire generation. Studies reveal that there are increasingly large numbers of seniors who are still paying their student loan payments. They were incurred when they were in college. With the rise in the cost of education, no student or parent is able to bear the costs of college alone. They are resorting to student loans and are then falling into the trap of student loan debt. Most students wonder about the options they might take in order to get rid of student loan defaults.

Student Loans and Credit Ratings

When you’re more than 270 days back on your student loan payments, you will be considered in default. Getting out of such a situation is what it takes to deal with student loans. Most of the repayment plans and postponement options require you not to be in default. They might demand you to make 3 reduced but timely payments in order to qualify for the alternative payment option. Apart from that as long as you’re in default, you won’t be eligible to get new grants or loans. Nevertheless, check out some ways of getting rid of defaulted student loans.

Approaches to Eliminate Student Loan Debt

  • Cancel the entire student loan: You can get out of defaulted student loans if you can qualify for getting the loans canceled or discharged. This is perhaps the best option for a cash-strapped borrower as you no longer remain obligated to make payments. However there are restrained options for canceling student loans,. This option might not be for all kinds of student loan debtors.
  • Get a direct debt consolidation loan: If you owe debt on federal student loans, you can take out a direct debt consolidation loan so that youre able to combine your payments into a single monthly payment. The loan will carry drastically lower rates than what you were paying on the individual loans and hence you can also save a considerable amount of money. Once you get a direct debt consolidation loan, you can stick to making a single outgoing payment to the US Department of Education.
  • Get an alternative repayment plan: Yet another way to get rid of defaulted student loans is to set up an affordable repayment plan with the loan lender. Based on their personal financial circumstances, the borrowers have the right to request such repayment plans. Loan rehabilitation is also a way of changing the lender of the loan. After you make a certain number of payments, the guaranty agency or the US Department of Education will sell off your loan to a new lender and the new lender will put a standard 10-year repayment plan in place. This will ease off the pressure of monthly payments.

Therefore, when you’re spending sleepless nights worrying about effective debt management of your burgeoning student loan debt level, you may resort to any of the above-mentioned options. Repaying debt or canceling debt will help you boost your credit score.

Small Business Owner

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Small Business OwnerThe small business owner knows that they need a website to have a presence on the internet, but seldom has the time or the skills to set up a website domain or a hosting site, let alone design a website that meets their needs. Once the website is set up, there is ongoing maintenance to add content that keeps it current with the products and services that the small business offers. Many small business owners will just shy away from doing anything at all in this regard or they will turn to companies such as ours to help them with their website design.

Various Approaches to Web site Design for the Small Business Owner

There are many different approaches one can take to set up a small business website. For example, some customers will obtain their own domain name and request hosting, then they will do the rest. Others want the domain name, the hosting, and the blog engine installed and they will then add the content using the user-friendly blog system. Then there is the business owner who wants a website and wants to hand over the content to a content manager such as ourselves to build the website and design all of the content pages.

We have listed the services we provide to small business owners on our website. Click here for more information. This is a guideline only and should be used to give some idea of what the potential costs are to set up a website and add content on a regular basis.

Search Engine Indexing

We recently built a website for a small non-profit organization, click here to see the website. They had the domain, and we provided the hosting and installed a WordPress blog with the appropriate apps to support his website. We add some basic pages and then turned it over to the president of the organization who wanted to design and add his own content and images for his blog. With a small amount of training, they were in business and updating content as needed.

They wanted to know why their website was on the 1st page of search results for some search terms and not for others. The answer was pretty simple. They did not have any content on their website that used those terms and therefore the search engines would not index them for that term, nor would they rank them for that term. They were obviously going to think about this and decide if they were going to add more content or not.

Inexpensive Small business Owner Websites

The example we have discussed is one of the least expensive ways to build a website. Spending a  small amount for a domain name and hosting and then building and designing their own pages is clearly the way to go for this group. If they have the time to add their own content and are not too concerned about the time it takes, they can add content using the WordPress blogging engine, which is extremely easy to use and intuitive to learn.

For more information about domain name setup, hosting, web site design, contact us for more information today.

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Getting rid of your IRS tax liabilities – Don’t procrastinate when its the IRS

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IRS tax liabilitiesOwing debt to the IRS is different from owing a debt to any other company or bank. What happens when you default making payments to a bank or a credit card issuing company? All they would do is make some calls to remind you about the payments. Then they turn over your accounts to debt collection companies. But such peace is not the situation when you have IRS tax liabilities. They will not leave you easily.

Therefore you need to make sure that you take essential steps in order to get rid of your IRS debt woes. IRS debt is not a simple kind of debt that can be repaid through debt consolidation or any other debt relief option. Neither can you discharge such debts through bankruptcy nor can you easily get rid of them? Check out the concerns of this article to know the options that you can resort to.

IRS tax liabilities – Get help with installment agreements

There are few installment agreements that you can  resort to when youre wondering about the ways in which you can repay your IRS tax debt. Check them out.

  • Guaranteed installment agreements: The IRS will only agree to this installment plan when the total outstanding balance is $10,000 or less. Apart from that, there are some other criteria that you should take into account. For the last 5 years, you shouldn’t have filed late. All your tax returns should have been filed. You shouldn’t have had any installment agreement in the last 5 years. Always agree to file on time for all the future tax years. The minimum payment the IRS will accept will be the total outstanding balance which will be divided by thirty.
  • Streamlined Installment agreements: When your entire balance which is due is $25,000 or less than that and you agreed to pay off the balance within 60 months. What happens if the total balance will expire within this 5 year period? The IRS will need the entire payment within the remaining SOL. The biggest benefit of a streamlined installment agreement is that there will be no federal tax lien
  • Partial payment installment agreement: What is the option when the minimum payments can’t be afforded through the guaranteed or the streamlined agreements. You may opt for the partial installment agreement. Here you can make payments according to your affordability. However, you must qualify for this installment option.

Offer in Compromise – Is this tax debt settlement?

Just as you can settle your credit card debts, you can also settle your IRS tax debt through Offer in Compromise. Depending on your present financial situation, you will be given the option of repaying an amount which is much less than what you actually owe. The IRS may waive off a certain portion of your debts. This will, therefore, facilitate the entire debt repayment schedule.

So, when it comes to repaying your IRS debts, you may find a solution in  the above-mentioned options. The sooner you repay them, the sooner you can understand the impact on your credit score.

Small Business Web Hosting Companies

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small-business-web-hosting-companiesDo you run a small business and need an inexpensive hosting site to launch your business web site,? We can set you up with a five-page site and blogging platform that allows you to do your own updates at a very low price.  If you need us to help with updates and changes we are also available to provide assistance. This is our starter package for customers who are not sure of exactly what they wish to place on the web. Or perhaps just need a few pages of content. If you need more content, we would be pleased to discuss your needs. Check out our prices and services. Your costs will be kept to a minimum while you develop your strategy for an online presence. We focus on Small Business Web Hosting Companies and their needs.

Reduce Your Overall cost of being Online

Small businesses can save money by taking this approach and avoiding thousands in costs for hosting and web site maintenance while making their job easier and less costly.

WordPress blogs are very easy to use, maintain, and keep up to date. If you already have a domain name, your company’s website can be up and running in 24 hours. Just point your domain at the URL we provide and your website will be live. Once we set it up for you and initiate your first few pages we can continue adding content for you or the web owner can take over. WordPress is easy to use and is much like using MS Word for example with a few twists. we can help you get set up and started and then provide support to you as needed.

Small Business Web Hosting Companies – Confirm your Cost

Check out our rates as well for basic page and post creation. Our rates are very reasonable. Once a web page is created, business owners can also make their own adjustments and updates if desired. The choice is yours. We offer flexibility and inexpensive business web sites. This is one of the most inexpensive and easiest ways to build your own companies website.

Don’t let someone try to tell you that a web site is a complicated process and only the experts can do it for you charging thousands of dollars. It is much simpler than that unless you have a sophisticated eCommerce site in mind.  Most business owners just need something to establish their presence on the internet and bring customers to their main business. We can help you with this challenge and make it easy and inexpensive for you at the same time.

Call or email us today for more information! Our rates are surprisingly low for the value you receive.