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Web designing is the new black of the Internet world.youtube.com When you are just new in a business there are a lot of things to handle at the same time. Marketing, management, product development, etc.youtube.com can make you engaged enough that you might probably forget about the online presence of your business. Do not put your businesses online to sideline. We all know how important it is to have a website and an online presence these days. Ignoring digital methods can send you back in the line of the competition and as a businessman; you don't want that, right. Adopting online methods can increase the sale of your product and services to many folds. A website with strong web design can be a tool to gain trustworthiness among your customers. Present your customers a beautifully designed website that is easy to navigate and user-friendly. That will help your business to gain a positive approach from the customers. Building trust among your customers should be on the top priority of any business. Things like business transparency, quality products, etc. help in building a brand but amazing web design outclassing every other in modern times. Once, the trust is established people will prefer your brand over others which will contribute to the overall growth of your business. Let's check out the web designing methods to boost the growth of a business. Don't miss these out.


Much of your organic search position ranking comes from the technical structure of your site and your ongoing content development strategy. So, SEO is not much more of an investment if you’re already creating new content regularly -- and it’s well worth that extra investment if for no other reason than to make sure your site is properly indexed. Most of these strategies aim to get more people on your site, but what do those people do once they’re there? Conversion optimization helps you ensure you get more value out of each and every visitor by maximizing your rate of conversion. Sometimes, this means including more conversion opportunities, and other times, improving the ones you already have.


5. Social media marketing. Social media marketing isn’t the get-rich-quick scheme you may have been promised, but there is significant potential in building and nurturing a social media audience. Again, content will come into play heavily here, as it will likely be the factor that attracts your audience to begin with. Here, you stand to gain greater brand visibility, a greater reputation and far more inbound traffic with your syndicated links. Email marketing has astounding potential for ROI because it costs almost nothing to execute. As you may have noticed from these descriptions, there’s one other key advantage these strategies offer: They all work together. While they can be pursued individually, each connects with and feeds into the others in some way. If you pursue them all, complementing your efforts across these multiple areas, you’ll see an even higher potential return.


Net interest income increased 4% from the previous quarter to a record SGD 1.34 billion. Net interest margins increased four basis points to 1.77% from higher loan yields. Loans rose 3% excluding currency translation effects to SGD 198 billion, with Singapore-dollar loans leading the increase. While loan growth moderated from recent quarters, it is in line with market trends and the loan pipeline remains healthy. Deposits grew 4% excluding currency effects to SGD 232 billion mainly from US dollar, Hong Kong dollar and Singapore dollar deposits. Non-interest income increased 31% from the previous quarter to a new high of SGD 820 million.


Fee income rose 19% to SGD 406 million from higher contributions across a wide range of businesses led by wealth management, lending, stockbroking and trade and remittances. Trading income more than doubled to SGD 292 million from higher customer flows and more favourable market conditions. Income from customer flows rose 71% to SGD 256 million, accounting for 39% of total Treasury net interest and non-interest income. Total income of SGD 2.16 billion was 13% higher than the previous quarter. Expenses were little changed at SGD 898 million as higher staff costs were offset by lower technology and other costs. The cost-income ratio was healthy at 42%. Profit before allowances reached a record SGD 1.26 billion. Asset quality continued to be strong. Non-performing assets were unchanged from the previous quarter at SGD 2.91 billion, with the non-performing loan rate stable at 1.3%. Specific allowances for loans amounted to SGD 43 million or nine basis points of loans, similar to recent quarters. General allowances of SGD 85 million were taken in line with a prudent provisioning policy. DBS also continued to be well capitalised. The core Tier 1 ratio of 12.7% (with phased-in deductions), Tier 1 ratio of 12.7% and total capital adequacy ratio of 16.4% were above regulatory requirements.


The Bureau of [https://thebtrader.com/ Real Estate] Appraisers sends license renewal notifications to all licensees six months prior to expiration, requesting submittal of renewal applications ninety days prior to license expiration. Should a licensee delay submittal of the renewal application, they may be deleted from BREA's website as an "Active" appraiser, and shown on the Appraisal Subcommittee's National Registry as "Inactive" until such time as the renewal license is issued. Although we make every effort to process renewal applications prior to expiration of the previous license, it is imperative that we receive renewal applications in a timely manner. In order to maintain an "active" listing of your appraisal license, please do not wait until the last week or month to submit a renewal request.


Throughout history, no paper currency has survived in its original form. Paper currencies are normally inflated away until they are worthless. The purchasing power of the US dollar has declined by 90% since 1950. The situation is the same for most currencies. When governments come under financial pressure they can never resist printing money to pay for debts, be it war debts or just excessive spending. Gold is the only currency which has no liability attached to it. So far no paper currency has survived intact over a longer period, while gold has represented real money for several thousand years. When paper money fails, investors who own gold still have a currency which holds its value despite the fact that banks may be bankrupt. Iceland is a recent example of how paper money can lose its value over night.


With massive levels of debt combined with money printing in many countries including the USA and the UK, the risk of a similar default in other countries is very high.youtube.com Gold has, at all times, represented real wealth as well as being a medium of exchange. "Old Money" has always maintained a percentage of its wealth in gold since the specific characteristics of gold make it probably the safest and most attractive investment for storing and preserving wealth. Gold stored outside the banking system should be the foundation of the wealth pyramid for high net worth individuals. Therefore, physical gold or silver should not be considered as an asset which is valued or traded on a daily basis.


Gold - an Excellent Investment. Over time gold has represented an excellent investment that holds it value in real terms. In particular, gold appreciates during periods of high inflation and financial instability. As there is a limited supply of gold, it cannot be printed to finance the deficit spending of governments. Gold can act as a critical hedge both against inflation and a deflationary financial collapse. The world is currently facing a crisis of unprecedented proportions. The financial system is fighting for survival and has been temporarily rescued by governments printing unlimited amounts of money. Either governments succeed in temporarily rescuing the financial system by printing massive amounts of money (This will lead to inflation or hyperinflation making paper money virtually worthless).youtube.com Both of these outcomes will be extremely bullish for gold which always benefits from money printing and high inflation.


In the Weimar Republic in the early 1920′s, gold went from 100 DMarks per ounce to 100 trillion DMarks per ounce. In the case of a deflationary collapse, many or perhaps most banks will fail, while gold stored outside of the banking system will be the only safe money. Since 2001 gold has had an outstanding performance with total returns of 300-500% depending on the base currency of the investor. 1 dollar investment in gold in 2001 would have yielded 350% or a nearly 13% compound annual return. For a Euro investor the return would have been over 200% total since 2001 or nearly 10% compound annual return. In spite of the 5 week spike top in 2011, these are outstanding long term returns outperforming most other investments during the same period. Gold tends to move in cycles of at least 12 to over 20 years and should therefore continue to increase in value substantially for several years - at least. But gold should not be measured on a daily basis. Instead it should be considered as a long-term core holding representing the foundation of the wealth pyramid.


Learning how to control your personal finance and the use of plastic money aka credit cards will go a long way in helping your with your money management. If you look at the emotional reasons that make you spend money and understand them, it will be a lot easier for you to control them. While people often say that some people are addicted to shopping, the truth is that there are very few of these shopaholics. Whether you are classified as a shopaholic or not, it would be wise to follow some budgeting pattern to prevent you from spending more than you can afford and running into debt. A lot of people indulge in shopping to make them feel good especially when they are dealing with stress or to release feelings of frustration or anger or simply to treat themselves.


They might do it out of boredom as they have nothing better to do or just to keep up with the neighbors. Although the occasional shopping trip is quite harmless, it is very easy to underrate the effect of your spending and how it can create endless problems in your personal finance. Spending seems like such a happy exercise but it can have a devastating effect on your personal finance. Hence budgeting is extremely important when it comes to your money management. Indulging in spending is normally accompanied by the use of plastic money which you just hand over without giving a thought to what you are spending.


You must know that making use of credit cards for money that is not there in your account means you are taking a loan and you will have to pay interest on the loan as well. This will eat into your personal finance and before long you could be deep in debt. Make use of budgeting to stay out of this kind of situations. Make a note of all the expenditure you have to make on a monthly basis like housing, food, fuel for the car, loan payments and so on. Add other expenditure that you have to make and deduct it all from your income.


You need to know your income and expenditure. There are a lot of ways to make sure you stick to your budgeting. Record all the purchases that you make for a month or two; review them and you might realize that some purchases need not have been made after all. Leave your credit card at home when you go shopping. Or ask a trusted friend or relative to keep it for you to keep your debt from growing further. And last but not the least, think twice before you spend; other options would be to borrow, hire, buy second-hand one or save for it. This way you should have better control on your personal finance.


Some links below are from our sponsors. Here's how we make money. When I read The Millionaire Next Door by William Stanley, I was amazed at how many millionaires lived in plain sight. If you think about popular exposure to wealth - it's pretty flashy. We're trained, by television and social media, to think that millionaires live a life of excess. Big mansions, expensive cars, lots of jewelry, and partying non-stop. The reality is far more nuanced. There are very wealthy folks who live lavishly. They get a lot of the publicity because it's interesting. There are far more wealthy folks who aren't flashy at all. For every Kardashian, there are hundreds of wealthy people who live modest lives. A billionaire lives here. We know about Warren Buffet's wealth not because of his flashy lifestyle but because his company, Berkshire Hathaway, is a publicly traded company.


You could easily drive by that house and have no idea that the man who lived there was worth more the annual GDP of many countries (source). There's a name for this phenomenon - Stealth Wealth. No one has any clue how much you make. Unless you reveal bank account and brokerage statements (which would make you a socially awkward weirdo, honestly, who does that), they can only guess. They can only guess based on what you reveal in your purchases. There's a reason why real estate agents drive expensive cars. They may be wealthy but they want to project success, even if they are not financially stable, because you pick real estate agents based on their ability to sell.


An agent earns money only when they sell a house. In that scenario, driving a flashy car goes beyond vanity though I'd argue there are more direct and less expensive ways to prove you're a successful agent. When I suggest you be stealthy with your wealth, I don't mean you should hide it against your own best interests. I am not suggesting you hide it because everyone is out to get you. I'm merely saying that there are far more benefits to being stealthy. You avoid uncomfortable conversations and situations. Money makes people weird. Having it, especially with people who are in need, can create strange and uncomfortable situations that you probably don't want.


Do you want friends and family members asking you for loans or to invest in their new (probably bad) project? Do you want to have to tell them no? What if they're in a dire situation of their own doing and they need "just a little bit" of help to get out? What if you think that little bit of help won't help but is actually enabling them? What if it's your brother or sister? Or a childhood friend? If it looks like you have wealth, people start showing up thinking they can get a piece of it. Some of them are totally innocent, like an old friend who is seeking investment in his new project, and some are not, like an old friend who is seeking investment in his new project - will you know the difference? No one can see your bank account unless you show them.


You don't pay the driveway tax. My realtor told me once that we had a nice long driveway that didn't look like a long driveway, since it meandered through the woods. The "driveway tax" is what contractors call the markup they add to a job whenever the driveway is super long and super nice. With services that have no set price, people wise up to the fact that rich people can pay more for the same things and are eager to increase their prices. They're not being dishonest when they do this, they're merely responding to market forces. It's no different when you compare the price of services in Manhattan and Omaha.


Is it fair to charge more prices in a higher cost of living area when the work itself will be the same? Of course. Your expensive house is a higher cost of living. Do they like you or do they like your access to money? Imagine the recently rich lottery winner who goes to a bar and meets a woman he feels is out of his league - is she interested in him because he's awesome or because he has an awesome amount of money? What about the tech entrepreneur who meets up with an old friend and discovers he's perfect for this new business venture? This is a common concern for individuals who have wealth.


It's hard to know who likes you for you and who likes you for your net worth. There's a reason why LeBron James' entourage and business associates consist of friends he's had since childhood. These guys, like Maverick Carter, were initially ridiculed in the press because they had no experience. They've since proven themselves to be more than capable of the task. Part of it is loyalty and a "don't forget where you came from" but much of it is an issue of trust. How can you tell the difference between a legit operator and Bernie Madoff? You can't. Unless no one knows you have wealth. You won't be kidnapped.


Kidnappers don't kidnap poor people, right? This is a morbid way of saying you won't become a target. Whether it's a target for kidnapping, fraud, or other ill will; being flashy makes you a target and it can be for any number of reasons. Don't give them a reason! You won't feel the pressure to maintain that appearance. Stealth wealth is very affordable. When you throw your money around, whether it's for good or for attention, you have to keep throwing it around. That attention is like a drug and the only way to fuel it is by burning money. New stuff becomes old stuff and you'll have to buy more stuff.


When you lend financial support, it leads to more financial support. 500, they got on their feet, paid it back, and all was well?youtube.com Not too many because it's rare. 500 usually is a precursor to more. Or it's a precursor to an uncomfortable conversation. Once you've decoupled your wealth from the number, you realize the truth about money. Money isn't about what it can buy but what it can enable - your freedom. So many people are seeking financial independence, so much so that there are dozens of great FIRE blogs out there showing folks the way. Early retirement and independence come down to having enough money to not work.


As children, we focus so much on grades and doing well in school because it ranks you for the next stage in life.youtube.com Good grades in high school will lead to a good college. Good grades in college will lead to a better job. A better job means more money. But once we leave schooling, there is no obvious next stage. The next stage isn't in your career but in your life. Achieving financial independence, so you can control all of your time, is the next step. You can continue working if you want to but wealth gives you options.


Accumulating more stuff and converting that wealth into material possessions restricts your options. Seriously - name me one and I'll add it. OK, maybe there's one. And I'd argue this answer is a lot like the BS people say whenever a job interviewer asks for a weakness. The drawback is that you will rarely be the center of attention. There will always be someone who wants the attention and they may think that being flashy will attract it. They are right. Being flashy will attract it. So if you practice stealth wealth, you will be unnoticed and rarely fawned upon by others who want to get a piece of the action.


Let's say I've convinced you that stealth wealth is the way to go - how do you keep your money under wraps? There are guides out there that tell you to do this or that but it all boils down to one thing - shut your mouth. Unless you're a public employee, your salary is unknown.youtube.com If you don't share your address, no one can look up the property tax records to see how much your home cost. Even if they did, there are plenty of people who own massive expensive homes who are not wealthy and are on the brink of financial ruin… just look at what happened during the last housing bubble. If you want reminders of your wealth, let it be when you track your net worth or when you log into an aggregator tool like Personal Capital, not with the things you own.