Manage Financial Risks in Retirement

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While everyone should have a retirement plan to help them ensure they will have sufficient funds to see them comfortably through retirement. They should also assess that plan from a risk perspective to ensure that their plan will withstand any curve balls that life throws at them. This is part of the risk analysis that every one of us should be doing to ensure that we and our families have a comfortable life in retirement. We have put together a list of 7 items to consider (there are probably more) that a proper plan should consider. Manage financial risks in retirement to increase the odds of a satisfying retirement. If you have these at least considered and have taken mitigation steps then you are well on the way to making sure that you will be ok.

We assume of course that you already have a financial plan in place. If not the first step is to build one and then consider these issues from a risk assessment perspective.

Manage Financial Risks in Retirement

Here is our summary and we discuss each one in a little more detail later in this post.

Outlive your money
A temporary loss in value of your investments, resulting in decreased income
The death of a spouse decreased pension income
Long-term care requirements
Elderly parent support or disabled child support
Inability to handle your financial affairs
Special circumstances not in the above such as a business owner

Manage Financial Risks in Retirement – Outlive your money

This is probably everyone’s worse nightmare. No one can predict how long you live other than considering actuarial tables, and statistics, and looking at your own older relatives. We are all healthier now than our parents were and we are living longer. chances are that you will live at least 5 years or maybe even 10 years more than your parents did. Tack on another 10 years to your financial plan to see what impact that has on your assets. You may find that you either have to save more, live on less, or keep working!

A temporary loss in value of your investments, resulting in decreased income

If you depend on your assets for income and they go down with the stock market, what will the impact be on your plans? This happens all of the time as we have seen over the past 30 years. What is the impact on your income with a 20 % decline in your asset value? What do you need to do to make your assets less prone to this kind of income drop?

The death of a spouse decreased pension income

Many spouses depend on each other’s income to have enough money to live on as well as share expenses. Some pensions drop by half when a spouse dies and at the very least government pensions will stop for the spouse that passed away. Can you deal with a 50% drop, or do you need additional income sources to protect yourself and your spouse in this kind of situation?

Long-term care requirements

Sometimes we live a long time, but this does not always mean we have our mobility or our mental faculties with us. Long-term care is expensive and you either need to have sufficient funds to cover the expenses or you should have long-term care insurance. Evaluate the impact of one or both of you requiring long-term care.

Elderly parent support or disabled child support

If this is a concern for you and you are near retirement, you may want to assess your parent’s assets as well as your own and whether you have sufficient funds to pay and provide elderly parent support.

Manage Financial Risks in Retirement – Inability to handle your financial affairs

A stroke or an accident, or some of the other major diseases can rob you of your ability to make your own decisions. Is your will up to date as well as your power of attorney? Does the person you have designated know what to do and what your requirements are? Avoid a stranger making these decisions, by having an up-to-date power of attorney in place.

Special circumstances not in the above such as a business owner

There are thousands of special circumstances that we have not mentioned. Some will come as a complete surprise, while others will not be much of a surprise based on your family’s situation. Take a moment to evaluate those and decide if you need to do some risk analysis to help you deal with these situations.

This is a start, every one of us should be doing this sort of risk analysis prior to retirement and after retirement to assess if anything in your savings plans, your retirement age, or your lifestyle needs to change!

Should I buy Stocks or Mutual Funds

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This is a really important Question: Should I buy stocks or mutual funds? I met with my adviser the other day and decided that stocks are a better choice than mutual funds. I wanted to know his opinion. You see, I was testing him since I know that he makes a lot more money from mutual funds than he does when I purchase a stock, even with the commission on the trade that he receives.

My rationale for purchasing stocks and not mutual funds was as follows:

Mutual funds have not performed well in the past three years
Mutual fund managers continue to collect MERs (fees) even for poor performance
You lose around 2% of the income a fund receives from fees
Funds stopped making dividend payments to unit owners and still paid themselves the MER Fee’s

and he really could not argue with me on almost all of these points. I even told my investment adviser that if I have this wrong or do not understand something, please tell me where I do not understand things correctly. There was no answer to my statements, really. What he did say surprised me.

Stocks or Mutual Funds – My Adviser’s Reaction

Mutual funds are for people who do not have time to manage their investments and want diversity and professional management. Also, mutual funds often invest in many of the same companies unless you go far afield. For example, a balanced fund would have many of the same stocks that a dividend fund would have! Where is the diversity?

I have reached the conclusion that despite all of the conversations I have had with him over the years, I really do not have that great of an investment adviser. Still, my portfolio has grown, and it is intact. I have recovered from all of the downturns and grown well beyond the original values. I did not lose half or more of my portfolio’s value during 2008’s market dive, so on those fronts, I have recovered nicely.

What Have I Learned from this Conversation?

I guess I have learned several things from this current episode or discussion with my adviser, which can probably be applied to many advisers we might work with:

He is just a guy like me, maybe a bit more informed
He has no magic crystal ball
He is managing the averages and avoiding significant risk areas
His guidance overall has meant that I have done well with my portfolio
Am I satisfied with the services he provides in general, yes
Could I have done better, absolutely
Should I change to another adviser – no, sometimes it is better to have an honest conservative adviser that you know.

The bottom line is that I will stay with my current adviser. However, I will challenge him a lot more and push him to justify his recommendations. As always, all decisions about investments will continue to be mine, but I will do a lot more of my own research than I did before. My basic strategy is to invest in blue-chip companies with a history of high-quality bonds, regular dividend payments, and increasing their dividends!

General Trends and Guidance

Here is some more to think about regarding investing, regardless of whether you choose mutual funds or stocks:

Stock prices are cheap compared to earnings.
Earnings are growing at a healthy pace.
Economic growth is likely to continue.
The TSX and S&P 500 dividend yields are higher
Stocks have underperformed bonds.
Consumers lack confidence.
Volatility is high.
Companies have cash, and they are not afraid to use it.
North American companies are global companies.
Inflation is powerful.
Strong companies have growing revenue, pay regular dividends and increase their dividends every year

Comments are welcome, and we will include your link if the comment is constructive and interesting for our readers.

For more thoughts and ideas about investing in equities and mutual funds, click here.

Retirement on $190 a Month!

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What a question and how ridiculous – Retirement on $190 a Month! There is no way anyone can survive on this amount in retirement or any other stage in your life with today’s cost of living. Retirement on $190 a month is just not possible in North America. Yet recent surveys are finding that unless Americans do something, this is what the average American is looking at in terms of income from their savings and it is not pretty.

The conclusion, work longer, save more, and stay healthy! If you do not do all of these things, retirement is not going to be a place that many people want to be. Older people who are retired will need to live with their families and be supported by their families. This is not something that everyone can do or is willing to do. Everyone is much better off if they have saved enough for retirement and can exist on their own.

Canadians are no better off, even though their habit of saving is higher. Could you exist on a Retirement on $190 per Month? They have much higher taxes and medical costs, so it amounts to the same thing. Even though their medical is looked after, they still have to pay for all of our drugs and also their nursing home accommodations just like everyone else. Saving for retirement is the only way we will have the option to retire early if we want to.

Retirement on $190 a Month! – Work Longer

Some will want to continue to work past the traditional retirement age, for fun or for the social aspect. But if you have sufficient savings set aside at least you have the option to work or go on a trip or just hang around with family! What we are really talking about is starting when you are young and building financial independence so that you can retire when you want, so that layoffs and downsizing do not worry you and so that you are free to pursue your dreams as you get older. You may want to retire when you are 50 or wait until 75. Either way, if you have saved for retirement, you have the options and the power to do what you want.

Some Information from the Survey by Wells Fargo

A Wells Fargo annual retirement survey which polled nearly 2,000 middle-class Americans ranging from 20 to 60 years old, found that Americans aren’t saving enough, and they are more likely to end up working through retirement. We are seeing more and more older people working for minimum wage jobs at some of the big box stores and also in the service industry. One guy we know is 78, still works at a coffee shop so that he can head south during the wintertime!

While most Americans predict they will need a nest egg of $300,000 to live on for 19 years in retirement, the average savings of 50-somethings is only $29,000, which comes out to an income of $190 a month over 20 years assuming a 5% rate of return. That is incredibly low and just not sustainable if you live beyond retirement age.

Are you saving enough for retirement?

Add in Social Security or other sources of income, and most people are not going to be able to cover basic needs with such a small amount of money. They will need to be able to live with family or friends to help with some of the lodging costs and who really wants to do that. Retirement on $190 a Month! is not a reality for most people, thankfully.

The recession has impacted many people, losing jobs, working for less, and reducing their savings, however, if you were not saving before the recession, chances are that you still are not saving for retirement today. We all need to change our habits and quickly if we want to be comfortable in old age.

According to the survey, only 33% of Americans have a detailed written retirement plan and 37% don’t know how much they will need in retirement or how long they will be able to live on what they have saved.

The survey found that 72% of Americans now expect to work through retirement, with 39% saying they will work because they have to and 33% saying they will do it because they want to. Whether you are working for enjoyment or because you need to, would you not rather have the independence to work or not work only because you felt like it and not because you had to?

Start saving now. If you are 21 today, saving $50 a paycheck for the next 30 years will put you in a very comfortable place financially! Remember, Retirement on $190 a Month! is just not possible. For more retirement planning and retirement income thoughts and ideas, click here.

Concerns Consumers have about their Finances

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Just read an article about the top five concerns consumers have about their finances and it is not surprising that most people are thinking about – Debt, Savings, Education, Retirement, and Health costs. This chart on the left shows where people expect their income may come from as well as the concerns that they have.

Concerns Consumers have about their Finances

Debt

is something that everyone worries about sometime in their lives. Usually when they overextend themselves and also as they are nearing retirement or are about to lose their jobs. This is where a contingency plan comes in. Plan for losing a job, plan for retirement and try to make sure that you never overextend yourself.

Savings

can tie in with having a contingency plan, but savings also means saving for retirement. If you are going to do it right it means you have several different savings accounts – contingency, vacation, something you want to purchase, major repairs to your home, and retirement. Sounds like a lot but it is pretty basic and if you fail on any of them you will pay the price at some point with some hardship that you did not count on.

Education

is important for the kids. Depending on how many kids you have, your plans for them in terms of education, etc you will want to set aside a savings plan early that is specifically for the kids to get the schooling they need.

Retirement planning

is so important. If you are lucky enough to have a plan at work your among a minority these days. Set aside a minimum of 10% and never touch it. Invest wisely and do not use it until you are getting close to retirement. Then evaluate whether you have enough or not with the help of a financial planner.

Health costs

are a big unknown. One day you are healthy and the next day you have major medical bills. Not everyone can afford to have health insurance, so it is a bit of a gamble. People have been known to be wiped out overnight due to unforeseen health costs.

Concerns Consumers have about their Finances

Develop a Plan and decrease your Worries

Many financial advisers suggest various methods of dealing with these concerns, however, the main thing to do is to have a plan that addresses each of your concerns. No plan, no solution, you are going to be in trouble financially at some point. Put simply the rules are:

Pay yourself first – a simple but very effective lifelong approach.
Have a plan – and write/type it out, discuss it with people that you respect
Learn about tax-saving options
Make regular contributions to the tax-savings options.
Pay down your most expensive debts as much and as quickly as you can.

Pay yourself first – a simple but very effective lifelong approach. Figure out a budget and decide how much you can afford. Then pay yourself so that you can enjoy a little bit of life. Just ensure that it is reasonable in relation to the rest of your income.

Have a plan – and write/type it out, discuss it with people that you respect and review it on a regular basis. Some people suggest once per year while others once per quarter. Decide what works for you. If your finances are volatile, then you will want to review your plan more often.

Learn about tax-saving options that are available in your state or province. Decide how to maximize your savings and decrease the amount of tax you pay at the same time.

Make regular contributions to the tax-savings options – Set up a regular deposit to the plan. Your financial institution can help you with this so that it is done automatically and you have a forced savings plan to your tax-advantaged plan

Reduce your most expensive debts as much and as quickly as you can. This in turn will control and decrease the amount of interest you are paying and when the debt is paid off, you will get a major raise in terms of more cash to use on other things.

If you share these financial concerns or have others that we did not mention, why not leave a comment for readers. All well written helpful comments will be accepted even with links. All others will be deleted.

How Do I Know I have enough for Retirement

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This is the big question for many people who are thinking about retiring or are suddenly faced with forced retirement. How do I know I have enough for retirement? The sooner that you prepare for retirement the better off you will be, but how do you know when you have enough?

We all get accustomed to living on the salary or income that we make and this is probably a good starting point. This is the quality of life you are used to and the life style you have been accustomed to. So why not start there.Â We compiled the following points from reviews we have done looking at various posts and ideas from many sources. If you cannot meet these requirements, then you will have to take steps to either adjust your income in some manner or you will need to downsize your expectations. We will discuss each one in a little more detail.

15.7 times salary saved
Less 2 for social security
Less 2 for defined benefit plan
Or can you live on 5% of income from your savings
Some say2% or 4% of income from savings
Can you Still work
What will you do with your time

How do You Know You Have enough for Retirement

15.7 times salary saved

This is a standard that many financial planners are working with and it is a good measure to start with. The big assumption is that you want to maintain your current lifestyle. So if your current income is $50k per year, then you need $750 to $800 k in savings to ensure that you will have the income you need. Start at this level when calculating if you have enough for retirement.

Less 2 for social security

You can also make adjustments to this figure if you will receive social security. The common rule of thumb is to reduce the ratio from 15.7 to 13.7 if you will receive social security and decrease the overall savingsÂ that you need to have.

Less 2 for defined benefit plan

The lucky few who will have a defined benefit retirement plan can reduce the ratio a further two points. This is a combination of benefits for medical as well as retirement income from a pension plan. Many people are losing their benefits due to layoffs and downsizing. If you are near retirement, you need to evaluate the probability you will actually see these benefits when you retire.

Or can you live on 5% of income from your savings to have enough for Retirement

Another way to look at the question of whether you have enough for retirement is to ask your self if you can live on 5% of the income from your savings. For example if you have $500,ooo saved, can you live on 5% or $25,ooo a year. If you can make more than this consider it a bonus!

Many people would have difficulty living on this amount, however if you can addÂ social security and a defined benefit plan to this, it may not be so bad.

Some say2% or 4% of income from savings

The question of whether you can live on 5% of income from your savings really depends on whether you can actually make 5% or not. Some say that the average income is actually much lower at somewhere between 2% to 4%.Â What this really means is that you really need to have a lot more in savings if your savings is only generating 2% income every year.

Take a really hard look at what income you can generate from your savings. Be conservative in your assumptions. The stock market has been very volatile over the past few years so be careful with investments and the income assumptions you make. If reality is better than what you assumed, then it will be a bonus to you in your retirement years.

Can you Still work

Either way, whatever you assume, working full or part time during retirement years has a lot of benefits. Not only do you have the extra income which you may need after doing some of the calculations, you will have the opportunity to be challenged, to meet new people and contribute to your community.

These benefits will provide you with a more complete life and help you live longer as well.

What will you do with your time if your do not have enough for Retirement

As we mentioned in the last paragraphs, you will be busier and you will fill the time you have available if you work. The bottom line is to figure out what you will do with all of the free time you gain once you finish working full time and depending on your decision, the amount of money you will need as well.

Visiting family, looking after the grand children is far different than traveling the world on cruises. Many people who have traveled a lot have come to the realization that while traveling is nice, spending time with family and friends is much more rewarding.

For many the challenge is to find the right mix of family, travel and budget ! Do you have enough for retirement?

Some SEO Guidelines

SEO Guidelines – Quality Content

We happen to think that in addition to all of these so-called rules and guidelines which are ok and not wrong at all, you must have quality content. You must have not only quality content that is well-written and informative to the reader, but it must also be popular if you are really going to do well with advertising on your site. Writing poorly written stories about something that no one cares about is just not going to be of interest to very many people, even if you optimize the page perfectly, whatever that might mean.

Focus on High-Quality Content in Popular Areas of Search

So focus on good quality content, interesting to the reader that appeals to a lot of people. Good quality content means that the post is well written, has no spelling mistakes, has good grammar, and has structure. A post should have an introduction, a discussion of the topic, and a closing summary of some kind or action statement that takes the reader to the next stage of your website.

Always optimize every page so that it also rises in rank for the search engines. We have compiled a shortlist and will add to it from time to time. These are rules/guidelines for making sure that your page is also optimized for SEO.

If you disagree or feel we missed something, feel free to leave us a comment and we will add to it to assist our readers.

Here we go:

Post Title
- The title contains the keyword
- The Title should begin with the keyword
- The title should be at least 3 words long
- The title should have at least 66 characters
URL
- permalink contains your keyword
Metadata
- Description meta-tag always contains the keyword
- The Description meta tag should have at least 160 characters in it
- The description meta tag should begin with the keyword
- Your keyword meta tag must contain your keyword
Heading
- The H1 tag should also contain your keyword
- The H1 tag should begin with the keyword
- The H2 tag should also contain your keyword
- The H3 tag should also contain your keyword
Content(probably the most critical of all)
- Must not be junk content
- Must be informative and useful to the reader
- Should contain at least 300 words, some say 500, and others at least 1000. We think you should vary the size of your posts, but never less than 300 words
- Keyword density should be 2 to 5%, don’t spam your content
- Keywords should be used in the first 50 to 100 words
- Always use one image with your keyword in the ALT attribute
- Bold your keyword at least once
- Italicize your keyword at least once
- Underline your keyword at least once
- External link anchor text should also contain your keyword
- Internal link anchor text should contain your keyword
- Also, use your keyword in the last 50 words

While this is certainly not all-inclusive, it is a good start on how to optimize your posts for the best SEO ranking with the search engines and against your competition. Even if you do all of these things, it really comes back to content that people are interested in and causes them to want to spend some time on your site.

As we mentioned comments and thoughts are welcome.

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SEO Firms in Ottawa

Local SEO Firms in Ottawa

The first point that should be considered is that we have a local presence so although our name is Calgary SEO Specialists, we have a local member of our team who has been building Web sites for many years and in particular following SEO guidelines to attract traffic to their web sites. They have also been involved in marketing activities throughout their career and bring this expertise to the design of the site and the content that will be added to your site. This is a specialized business and it is important to hire someone who understands the business and not just someone who talks SEO.

Web Marketing

Secondly, what you are really looking for is web advertising or marketing. SEO is just the technical way that one implements a web site to achieve better results from an advertising perspective. If the company that you hire does not understand this nuance, chances are that you may have a great looking web site, but no one is going to visit it. SEO Firms in Ottawa do understand these issues.

Have you ever wondered why your web site never appears on the first page of search results? Then some guy comes along and builds a web page with your companies name in it. They do a search showing how he got you on the first page. Sure he got you on the first page. He used your companies name or a unique phrase that no one will ever search for!

SEO Catch Phrase

The objective is to use phrases that people commonly search for. The objective is to get you on the first or second page of those search results. There is a scientific method for making this happen. If you are on the first page you stand a much better chance of having customers select your web page! Next, you need a great catchphrase right at the front that is displayed with the search results. Now you are on the first page. You have the best catchphrase which attracts customers to your web site and not the competition! This is what makes them chose your site over the other 9 results that are displayed on the page.

This is what SEO is all about. Only firms with the experience can really put it all together to provide this type of service and results together. In fact, Calgary SEO Specialists are so confident of the service provided that they do not even ask for a contract or a down payment. They do suggest that you give it three months to see the results before making a decision. There are a variety of service levels and pricing to choose from. The services offered are fully outlined on their web site along with testimonials. There are even keyword studies that have been completed for various customers.

Check us out and give us your full consideration. Spending your money is always a decision that is taken carefully, regardless of the business that you are in. With web marketing using an SEO firm with experience is always a better way to go.

For more information about our services and pricing, take a moment, and visit their web site. Click here for more information.

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No Contract SEO Services in Palm Springs

Search Engine Indexing

They do suggest that you subscribe for a minimum of three months. This provides time for the search engine Bots from Google, Yahoo, Bing, and other search engines to find your site. Also to index it and rank it in their search results. We submit your web pages to all of the search engines. But occasionally it takes them a bit of time to for the search engines to do their indexing.

Many companies require a contract to be signed before they do any work. We ask you to pay a month’s subscription upfront and then we get to work building your SEO site. All of this with no contract SEO services in the Palm Springs area. You are free to stop anytime. However, we are confident that once you see the results, you will want to continue the service.

No Contract SEO Services – SEO Web Marketing

Many companies are turning to web marketing as an alternative to traditional methods of attracting customers. They find that radio ads, TV spots and advertising in yellow pages and newspapers just do not work as well as they used to. Many people use their smartphones or desktop computers to search for the information they need about products and services. If you are not on the net with an SEO website, few people are going to find you.

Lot’s of companies have web sites, some quite fancy with videos, etc. But they never rank well because they have static content and they are not optimized for the search engines. It is so important to use the proper keywords and have fresh quick loading content to ensure that you are found on the internet. Once they are on your site, your customers may call you, or order online or send an email with more questions.

Fresh Up To Date Content

Fresh up to date content is highly ranked by the search engines. This is why we suggest a post of 500 to 1000 words long every week for as long as you stay with us. This is the best approach to getting noticed by the search engines. We do not copy the content, it is all unique and written by writers in North America. We employ writers here and do not send the work overseas.

You might wonder why Calgary SEO services choose Palm Springs to launch their services outside of Calgary. Well, the answer is that the principles of the company spend a lot of their vacation time in Palm Springs. They want to help the local business continue to succeed in a very competitive market place. We think we can help you be more successful by attracting more leads to Palm Springs regardless of what industry you are in. That’s why we offer no-contract SEO services in Palm Springs.

For additional information about no contract SEO services in the Palm Springs area as well as pricing, take a moment and visit their web site. Click here for more information.

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Affordable SEO Services in Palm Springs

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Are you a frustrated business owner? Perhaps you are not getting the results you think you should from traditional media. These could include radio spots, TV ads, newspaper advertisements and yes even the old stalwart , Yellow pages. You may have a really nice looking web site, yet you are not getting much traffic to the site and as a result there are little or no conversions to sales from your web site. You know that you need to spend some money on advertising, yet you are frustrated with spending money on something that is not delivering results.

Affordable SEO Services in Palm Springs

This is were Affordable SEO Services in Palm Springs comes in. There is a science to bringing web site traffic to a web site and if you are not following the rules and guidelines associated with web marketing, you simply are not going to get the traffic that you need. Of course you don’t want just any traffic, you want qualified traffic. Customers that are looking for your products or services and have a high probability of converting to paying customers.

Calgary SEO services is now offering SEO to clients in the Palm Springs area. In case you are wondering why Palm Springs and Why Calgary SEO services, well it is pretty simple. The principles have spent a great deal of vacation time in Palm Springs and really like to promote a place they enjoy so much. All of the work is done from Canada, however we do subcontract much of the content creation to US citizens so there is a win win for both countries.

How Does SEO Actually Work

Well much of the information is actually a trade secret, however we can tell you that there are few main attributes that you must adhere to. We have listed some of these below in no particular order:

Fresh content every two weeks or even more often
Unique well written content
Judicious use of keywords weaved naturally into the content
Fast content loading from your hosting provider
Domain name supports product or services you are selling
PPC – Pay per click advertising campaigns
Over 100 other parameters that must be taken into account

Most business owners do not have the time to manage all of this. They do not have the time to learn all of the intricacies of SEO management. As a result their web sites are ranked low on search results. They show up well down the page list of results never to be looked at by anyone browsing the internet.

What About Mobile SEO

More and more consumers are using their mobile smartphones to search for things and to browse the internet. If your site is not configured to provide content that matches the browser capabilities and the screen sizes on these smart phones then you simply are going to lose access to this market.

All of our sites will be configured for mobile browsing.

Calgary SEO services can and does provide affordable SEO services in Palm Springs and other cities across North America. We do not ask for a contract. We do ask you to subscribe to our service with an expectation of signing up for at least 3 months, longer is preferred to really demonstrate the results of a well-engineered SEO site. Once you subscribe, we will conduct a telephone interview to understand more about your services and products and the specifics of the web marketing campaign that you want to get started. All of this is explained in much more detail on our partner web site. See link below.

For more information about our affordable SEO services in the Palm Springs area as well as pricing, take a moment and visit their website. Click here for more information

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Affordable SEO Services in Ottawa

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In a post 4 weeks ago we talked about how a Calgary company had teamed up to provide affordable SEO services in the Ottawa area. Calgary SEO Specialists and Global Com Team Up discussed the services and pricing that they offered and why customers may want to consider this service. If you have a web site that is not receiving the traffic that you think you should be receiving, why not give us a call. We can discuss your needs and how we can help get on the first page of Google search results.

This post is focused on just how affordable SEO service in Ottawa can be compared to other SEO companies and certainly compared to the old-style advertising media. The first point we wanted to make is that people talk about SEO all of the time which means Search Engine Optimization. before your eyes glaze over and you head off of this page, think of SEO as really efficient web advertising! That is only if it is done right and managed on an ongoing basis. Anyone who tells you something different is just selling the concept and not delivering web marketing to you that will bring results.

Web Marketing and Web Advertising

Web marketing or web advertising is all about attracting consumers who are browsing on the internet. They are surfing from site to site looking for information about subjects that they are interested in. To do this they use search engines, they use twitter, they use facebook and they use referrals. Consumers are also increasingly using smart phones to do this searching so if your web site is not also optimized for mobile browsing you are also losing a huge market.

This web site for example automatically recognizes what hardware and browser you are using and delivers content to you that is optimized for your device, regardless of the type of smart phone or desk top device. So when we talk about affordable SEO services in Ottawa, these are just a few of the things that you need to take into account while deciding what company to use when hiring a web advertising firm.

Affordable SEO Services in Ottawa – No Down Payment

There are other points we wanted to emphasize regarding affordable SEO services in Ottawa. Do you have to sign up for a contract or not and is a big down payment? Many companies are afraid of doing a lot of work. They are worried their customer will cancel on them just as the web site is ready to launch.

As a result they demand an upfront fixed price. Then a monthly fee after that. In our case, we simply suggest that you commit to a three-month commitment of monthly fees. This gives us sufficient time to build your web site and start delivering traffic to you. This is qualified traffic that could be potential sales for you. There is no contract so if you do decide to opt out, you can with no problem. However, we believe that our service will more than meet your demands and expectations. There will be no question that you will want to continue with our service.

Affordability is a Big Issue for Many Companies

There is no question that budgets are tight. Companies both large and small can ill afford to throw money at something they are unsure of. Yet every day business people throw money at traditional advertising media. They have no idea whether it is being successful for them or not.

The world moving to smart phones to surf the web and everyone is avoiding traditional advertising on the TV. Don’t you think it is time to switch to something that delivers results that you can monitor and review. Confirm how many customers visit your web site and convert to paying customers? We think so. That is why we teamed up with Calgary SEO Specialists to deliver affordable SEO services in the Ottawa area.

For more information about our services and pricing, take a moment and visit their web site. Click here for more information.

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