Let Us Help You Spring Clean Your Finances!

your interest rate is increasing your card balances, it’s time to shop around to find a lower rate. Other items that are options for rate checks are mortgage loans, auto loans and even your checking and savings accounts. For a real feeling of gratification, pay off the balance that costs you the high interest. If you want to zero our your balance by the end of the year, divide the amount owed by 7 and pay that amount every month. Can’t bite off that much every month? Move the balance to another card with an introductory rate and pay it off before the deal runs out. Make sure there are no high transfer fees.

Open a savings account. Follow these three steps when opening your savings account:
1. Set a financial goal and timeline.
2. Decide how much to save each month to help you reach your goal.
3. Setup automatic transfers into your savings plan from your checking account. This way the transfer is done for you and you won’t miss the money.

Review your credit report. Make sure your credit reports are free of mistakes. Remember, you are able to order one free credit report every year from each of the three major credit bureaus. You can get one free of charge from annualcreditreport.com.

Organize or discard old financial documents. Sort through all your bank statements, invoices, bills and other financial records and keep those that are only necessary. Be aware you need to keep tax returns, canceled checks, receipts and any supporting paperwork for your taxes for at least six years. Make sure you don’t just trash your important documents in the trash without shredding them. You don’t want them to be picked up by an identity thief.

Set up automatic bill pay. Spring-cleaning just isn’t about de-cluttering. It’s about making your financial life more efficient. Set up automatic bill pay and link it to your checking account in an effort to eliminate any chance of missing a payment and paying late fees.

Review your budget. Take a close look at your current budget and decide if you need to make any changes.

Pay off as much debt as possible. Spring is a good time to review your outstanding debts and which loans or credit cards you could pay off. If nothing else, develop a stricter payoff plan. Cleaning up your outstanding debt quickly will put you in a much better financial position for the rest of the year.

Record your financial passwords and store all your records in a secure place. Make sure you’re not using the same password for all your financial accounts. Protect yourself against identity theft by protecting your passwords and other financial documents in an online secure vault.

Be a community steward. Try and make a difference in your community. Believe it or not, giving of yourself to others will make you feel a lot wealthier.

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3 Steps for Accountants to Balance Work and Home Life

Accounting practice is on a progress march, and while the hot topic of conversation is to work towards the complex advisory path, it might not be a suitable option for everyone. Embracing cloud technology has already turned the accounting landscape over its head, and has proven to be a performance booster. The popular use of smart accounting processes, like QuickBooks hosting solutions, has improved collaboration among team members.

While it is important to embrace the change and grab the opportunity to be successful on this path, your success is not defined only by your advisory journey. Identifying your strengths and working to add value to the community with your services is an essential task. Also, you might have found a specialization for you that has a potential to grow, even if its local. If you are comfortable with your current scenario, then it is great.

Work smarter, not harder – that is the key to improve your practice. No need to add on to your already piling workload this tax season if it will not help you professionally. Although cloud accounting and the ease of internet has made work more manageable, here are few steps to achieve the much coveted work-life balance.

1. Find an expertise

While it is good to be the “Jack of all trades, master of none”, it is not very practical in the accounting landscape. Yes, it is a lucrative idea to offer all kinds of services, but becoming an expert in one field and making your name for it offers another opportunity. Select one (or two) complex services to make your specialty and advise your clients on.

Many firms offer to do your taxes in the tax season — they promise to help save your money for a price. And, their marketing strategies to reach the target audience through radio and internet are taking the cake. Management is easier with cloud based QuickBooks. The thing to learn here is, know what your clients need and find your expertise.

How is this related to work-life balance? Well, a balanced work practice will resonate a balance home life. Thus, it is crucial to have a stable workflow that eliminates financial stress and provides satisfaction.

2. Create your clientele

Once you have made a foundation and discovered your niche, next is creating a client base. Be proactive in how you manage your client base, make your expertise your selling point. Target the type of clients you want, manage the messy ones, continue to acquire more — this is a certain way to ensure continuous growth of your revenue.

Another upcoming trend is to specialize in an industry, a vertical niche. A few firms do this, and they do it really well. For example, if you have many restaurants and cafes as clients, you can call yourself an expert for the restaurant business. This means you have a deep understanding of the work processes, budgets, and profits so that you can advise them for their business growth accordingly. Once you establish yourself as an expert in a particular area, people from that industry would prefer to be a client of your firm as you endorse better handling of their business process.

3. Priorities and Choices

It may seem difficult to achieve that work-life balance, with so much to be done and so little time. The primary thing is to clear your priorities. Do you really need another house? It is your choice to make your life smooth or keep it a constant struggle. Your priority must be to plan your life keeping in mind the daily activities and responsibilities — both at home and in the office — and weave your long-term goals in between. Financial trouble must not strain your daily life.

Achieving that sweet balance of work and home life is simple if you take the right steps toward effective management. Using modern technology like QuickBooks cloud hosting can save your time and money. Strategize your work processes and prioritize both home and work to get that balance.

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It’s Time For Millennials To Get Their Finances In Shape

Most millennials are now in there 20s and 30s, beginning a career climb and also the time when you are making major financial decisions. These financial decisions can include home ownership, investment strategies, and family planning. Certainly, you want to try and avoid some of the financial hazards that have transpired in the lives of previous generations.

Financial literacy is seldom taught in school, so if you didn’t learn it at home growing up, your first time in the “real world” may get you into some financial distress. Read below to learn some of the top financial tips that will help millennials make smart financial decisions.

Take online money management courses

Because most millennials excel at technology, I would suggest signing up for courses in basic economics, accounting and budgeting. These types of courses can be very affordable and very well delivered by the online professor. I feel this is a very efficient way to update yourself on financial topics that may simplify and improve your financial life.

Build up your retirement savings

Did you know that Wells Fargo revealed that almost 50% of millennials weren’t planning for retirement? Make sure you participate in your employer’s 401(k) plan, even if you can only afford to contribute the minimum every month.

Make a list of your whole financial picture

I recommend you make a list of everything that is spent each month. After you have digested this information, ask yourself this question. How am I going to pay for all of this? There are also four essential things everyone should know about their finances: income, expenses, assets and liabilities. Having a firm comprehension of these items will help you make sense of your finances. There are many online tools that can help you connect all your accounts – Mint, Quicken just to name a few. I believe this is your first step in improving your finances.

Research passive income opportunities

Most of us work for money all our lives and never really put it to work for us. It is possible to use your job income for passive income from your investments. For example, the IRS says passive income can come from two sources: rental property or a business in which you do not actively participate. Make no mistake; passive income is not about getting something for nothing. It involves a lot of work and is definitely not a “get rich quick” scheme.

Start a savings account

Open up a share account at your credit union even if you can’t make regular deposits. You can use this account to put extra money aside for your short term and even long-term goals. This can also be used as your emergency fund. Shoot for 3-12 months of expenses, put aside for emergencies.

Pay yourself first

Once you have money in your hand from your paycheck, IRS refund, etc. always pay yourself first. Arrange for automatic transfers from your checking account directly to your share account every payday or on a monthly basis.

Do you know the impact of your credit score?

Everyone, but especially entrepreneurial millennials need to understand that their personal credit can be the defining factor in getting working capital in the future. Getting approved for a loan can be very challenging when your credit score is low. Learn how to read your credit report and check it frequently.

Reduce your debt faster

Pay off small debts first and gradually tackle the larger ones. This will allow you to see results and stay motivated.

Enlist the assistance of a trusted mentor

There is an overabundance of information online regarding financial literacy. However, picking the brain of someone you know and trust is better. Their insights are often tailor-made to your specific needs.

Remove extra costs

It is a proven fact that millennials have expensive habits ($5 lattes every day, eating out on a regular basis, designer fashions, etc.). Keep a close eye on your expenses and trim them where you can.

Raise your children to be financially savvy

At this point you may already have young children or planning to start a family. Teach them that saving money is essential. When they are old enough take them to your credit union and help them open up their own accounts. This will hopefully excite them to continue saving their own money.

I hope you use these financial tips to keep your finances on track while you are young. Remember, you have a very bright financial future ahead of you if you start now and stick with it!

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Why It’s About Time to Switch to Paying Your Bills Online

Simplify Online Bill Payments

While most people use mobile banking app/online accounts to pay their bills, they often get confused with the different options available. Do you need to pay through the billing company? Would it be better to pay through your bank? Can you use both options at the same time? Understand how to go about with online payments to know the advantages of each option and simplify the process.

How to do Online Bill Payment

Mobile and online bill payments come in two major types.

You can go straight to the website/app of the billing company, like for example, your cable company or insurance provider, then pay the bill there. As a rule, you can use your credit/debit cord or make an arrangement with your bank to debit it from your account. An advantage of paying on the billing company’s site is you know the exact amount to be paid. If you have several bills, though, it can be tiresome to log in to multiple sites every month.

The other option is to pay a bill through your bank. Almost all banks, financial institutions and credit unions provide this service. You just need to set things up using your mobile banking app/online account and, after a few seconds, you can make a bill payment. It is as simple as choosing the payee/s, keying the due amount, and selecting a delivery date. In case you do not want to pay bills by hand on a monthly basis, the majority of banks let you set up automatic recurring payments, so you can schedule your payments to avoid missing a bill payment whenever it is due. To streamline your payments, you just need to log in to the provided space and remember your password. In addition, it is easier to check your account balance.

The Advantages of Online Payments

Paying online using your mobile device is quick and easy, plus it allows you to schedule payments. Your payment dates can be synchronized with your paychecks/pay bills from various accounts. Most importantly, most banks and billing companies employ first-rate security features. For instance, Bank of America encrypts your personal details so they cannot be read during transit, and automatically signs off when your banking session is open but inactive for a long time. Besides security, you can reduce costs when using electronic payments, saving on cash and stamps.

Overall, electronic payments enable you to manage, monitor and review your payments, whether you pay via your bank or billing company. You can also search for specific bills that you paid. Whenever you pay multiple bills online using your bank or mobile banking app, you can view your payment history. Also, a lot of banks provide email notifications as a reminder of payments due.

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Keywords And Content, Best Strategies For SEO

The Importance Of Keywords In Your Online Business

There is no denying the importance of keywords used in any content that is placed on the Web. Keywords allow you and everyone else who uses the Web the ability to find what you are looking for. If you need just one bit of information, you likely would spend countless hours in research trying to find it if it was not for keywords.

As an Internet marketing professional, how do keywords relate to your own business? Usually, if you are using the Web as a marketing tool in any way, keywords are an important component.

We also compare it to the importance of quality content. Is it possible to have great content and still have great keywords in your final copy? It is possible, and in fact, it is necessary to do this if you wish to have a successful website or blog. Before getting into these details, let’s start at the beginning.

WHAT ARE KEYWORDS AND WHERE TO USE THEM-

What are keywords? These are words individuals will type into a search box when they are looking for something online. For example, let us say you are looking to purchase a table. You get online, go to the search box, and type in the word “table” into the search box. The search engines start looking for websites that relate to your search. Within seconds, there is a long list or results in front of you (called the search engine results page) that you can choose from.

Now, on the flip side of the coin, if you owned a website selling tables, you would want to attract this person to your website. To do so, you need to have your website displayed on the search engine results page. To do this, you need to have the most appropriate keywords on your website. So, for example, you need to have the world “table” used properly on your website for the search engine results to actually see your website as valuable to this search.

SEO-

Using keywords will help you prove your value to the search engines. The key is to know what helps you to rank well and what may not help you. Less than a decade ago, people took advantage of the keywords. Pages and pages of websites had virtually nothing but keywords on them. The problem is, when a website is packed with just keywords, it is likely not to be packed with information.

Here is an example to consider: John designs a website to attract visitors who he hopes will visit the affiliate pages he is linking to. So, he plans to put lots of keywords on his page. That way, his website will rank well, right?

There are two problems with this process. First, there is little chance that anyone who comes to such a page will feel it valuable enough to stick around and click onto affiliate links.

Second, Google and other search engines have made significant changes to their complex algorithms. Websites that have too many keywords on them will be ranked lower in the search engine results pages.

The key is to know what the actual best percentages are. Of course, Google is not going to tell you just how many keywords to use. They do offer a lot of in-depth information that you can use, though. It is this information that you want to rely on to get the results you are looking for. Google is not the bad guy: They want to provide individuals who use their search engines with the best websites online to solve their inquiries.

WHERE TO USE KEYWORDS –

Where should you use keywords? Keywords should be found in virtually anything you place online. Here are some places to use them.

 Place them into each article on your website.  Place them on your home page and sales pages.  Place keywords in your blog posts.  Use keywords in your product descriptions.  Use keywords on your website and in your blog tags and headings.  Use them on contact pages, FAQ pages, and just about any page on your website.

Doing this is essential to getting a high page ranking in the search engine result pages. Yet, you do not have to make this a complex process. In fact, it is often best to put keywords in the back of your mind while writing content for your website. Write what really matters and then come back to keywords later.

CONTENT IS KING –

One of the earliest phrases used still stands true. “Content is king” when it comes to Internet marketing. If you are putting up a page on your website, you want the person who visits your website to say, “Wow, this is great. I’m bookmarking this page to come back here often.”

The best way to do this is to include quality information on each of the pages of content you provide to your readers. In a few minutes, we will go through the process of providing quality content. Before doing so, consider what would happen if you did not have good information on your website.

1. You use keywords on your pages, but fill them with fluff content. Your reader gets to your page and thinks, “this does not help me,” and moves on.

2. The reader gets to your website and finds errors. You can no longer be trusted and they leave your site.

3. The affiliate programs you are working to earn money from visit your website. They find it poorly designed with little information. They decide that you are not a good fit for their company. They no longer offer you membership in the affiliate program.

4. You get no inbound links to your website. Inbound links are those which are pointing to your website. Google finds these to be valuable when ranking websites. If another website (or several of them) find your website to be a good resource, they definitely will rank your website higher. But, other websites will not do this if your content is poor in quality.

5. You make little to no money at your website since it is poorly ranked and is not attracting any repeat visitors.

Content for your website needs to be well-written and organized. It needs to be informative and useful to anyone who will visit and read it.

BEST STRATEGIES KEYWORDS AND CONTENT

Now that you have the basics about keyword usage and the importance of content, how do you bring the two things together so that your website will prosper?

There is no direct formula for doing so, but you can find some real results if you implement a number of known methods to help you. Google itself often provides a great deal of suggestions in terms of keyword usage. In your balancing act for quality content and keyword ranking, keep the following strategies in mind.

GO WITH QUALITY CONTENT FIRST

First things first, write quality content for your website. Nothing else will be as important to the success of your business has having quality content on it. There are several ways you can do this successfully.

1. Use factual information You want individuals to come to your website knowing that what you have to say is real and valuable to them. Therefore, each page should contain factual information. Before you post a blog post or an article, verify the information you are going to present. For example, going back to the example about the table search, be sure that you are providing factual information on the wood type, size, history or other topic.

2. Make it interesting Coming to a website filled with lines and lines of information that is boring is going to be so dull people will leave. Without spending too much time in the process, add some statistics. Use descriptive language that paints the picture for the reader, “these mahogany tables are designed in the style used by Ancient Romans… ”

3. Become a resource One of the best ways to ensure you have quality information on your website is to make your website the one-stop shop for all information on that niche. For the reader, a website that contains all of the information they need is going to be highly valuable. You may provide information about the history of tables, how to use tables… tips for staining them… and so on, for example. These items help you to become the resource these individuals need to have.

4. Be the expert For those who play a role in your website (and this is a very good thing) be sure that people who visit your website know that you are the expert in the field. You should stand out as being the authority. You do this when you provide valuable content to them. Do the hard research and find those interesting subjects to talk about. Answer questions. Relate to your customer base.

When you put these items together, the end result is very simple. You have a website that is packed with great content that people can naturally benefit from reading.

Chances are also good that you also have a website that is filled with quality keywords. After all, if you are writing about your topic and exploring all areas of it, you likely are using the most important words related to it. Still, you should still do some research and get better quality keywords into your work.

USING KEYWORDS PROPERLY –

There is no better way to rank your quality content in the search engines than to use keywords properly. It is often the case that website owners see this as a step they can skip. Instead of doing the research to find the right keywords for their websites, they think they already know what they are. This is often not the case.

FINDING THE RIGHT KEYWORDS –

Finding the right keywords is a process that often involves researching using any of the free keyword search tools available. You can also use Google’s service to help you to do this.

Once you use these services, you are likely to get a list of keywords associated with your primarily keyword. In our case, the keyword we plugged in is the word “tables.” As you are creating your table website, you have likely used a number of words that describe this product. But, did you include all of the most important words?

—–>”Jaaxy is the industry’s only keyword and research platform that was developed by affiliate marketers FOR affiliate marketers” Check Out Jaaxy Here <------ The top keywords, those used most often by users who are searching for the topic you have, should be included on your website. They do not have to be the only words that you use, though. These first words are heavily used and should be used at least somewhat in your website's content where it is appropriate to do so. For example, with the word "table," the top five keywords used included:  Tables  Pub Table  Pedestal Table  Dining Table  Glass Table These words are going to be mentioned on your website because they are commonly used words for your niche. What about those other keywords in the list? If you look down the list, you will see other words that could relate to your website. They look good, but fewer people are using them to find information online. Often, it is best to include some of these too. The reason for doing so is very simple. Most other website owners who are targeting keywords for their websites are using those top-tier words as well. There is a lot of competition out there for those words. Therefore, even with a great website, there are likely others fighting right along with you. Since the other words have less competition, you are more likely to rank well in the search page results for those keywords. In the table example, the words "pedestal dining table," "modern dining table," Glass coffee table," and "square tables" got far fewer hits than those top-tier keywords. The lower competition still makes them valuable. Use a combination of those top-tier words and those that are far more specific if they relate to your website. This unique combination will ultimately give you better results in the long term. WHERE TO USE KEYWORDS - Now that you know which keywords you should have on your website, the next step is to consider the placement of keywords on your website. As mentioned earlier, there are various locations on your website that you can use keywords. Use all of these locations for keywords. Within each of those documents, you need to place keywords in the right locations. There are several things to keep in mind in the case of blogs and articles/web content. The following guidelines can help you to place keywords into these mediums appropriately. 1. Place keywords in the title of each page or article The best way to place keywords in the title is in the following format. "KEYWORD GOES HERE: Interesting Content Goes Here." An example for the table website might be, "Pedestal Dining Table: 3 Tips for Buying the Right Dining Table." This shows the search engines the importance of this word. 2. Within the first 90 characters of the first paragraph, be sure your keyword appears again Also, it is important to note that you can use a mixture of keywords, but do consider having one or two primary keywords per article. Primary keywords should be located in these locations. Again, this early positioning helps to show the importance of the keyword to that page. 3. Use keywords in each of the paragraphs that you write on each page Do not overdo it, though. For example, you do not want your primary keyword to show up more than one or two times in each paragraph, depending on their length. 4. Break up text using subheadings Use secondary keywords in your subheadings. These will be positioned between paragraphs. Not every paragraph needs them, but sections of the article can be divided this way for easy reading benefits and keyword boosts. 5. Use keywords in the HTML for your website too This includes using them in each individual blog post/article that you post. This also helps with page ranking. Use a combination of keywords in each of your articles, but do not put too many into them. If that sounds confusing, it is because there is no hard and fast rule. What you want to do is to divide up the pages on your website or in your blog posts so that over the course of all of the pages, you use all the keywords you would like to use. Do not try to put all of your keywords for your website into every article you write. It won't work and will deflate the quality of each page considerably. For example, one blog post may include the keyword "dining table"; in that article, words like "dining room table" and "square table" may be included, but not many more than that. KEYWORD DENSITY - Keyword density is the amount of keywords on any one page in comparison to the number of words on this page. A few years back, it was common for the "less than expert" Internet marketers to try and work in high keyword density numbers. More keywords sounded horrible, but many thought that this would boost their search engine results pages significantly. The problem is that this does not work. It hurts your page ranking and causes you to have awkward sounding content on your website. Content is king, though, remember, and therefore, you need to make changes to this significantly. The question is, then, how much density should you go for? This is really up to you to decide since each page will be different, but most experts agree that you want a density that is under 5 percent. In most cases, only 2 to 3 percent keyword density is best. To compute keyword density, you simply need to take the number of times that the keyword appears in the page's text and divide that by the number of words on the page. For example, if the word "dining table" appears 8 times in our 400-word blog post, you would divide 8 by 400 words and get 0.02 or 2 percent. Do take the time to do this for your articles. You do want to ensure that there are plenty of keywords but not too many. If you would rather not waste your time on calculating density, there are free and paid software programs available online that will calculate the density for you. These are helpful when they are accurate. You do not have to be 100 percent accurate here. KEEP IN MIND -  Quality content is vitally important to the success of your website. Write your content to be quality content first.  Go back and insert keywords as they fit into the content you have written.  Do base topics and blog posts around keywords that are important. For example, choose a top ten list of tips for repairing dining room tables... this makes keyword usage easier and more effective. Plus, the reader gets it.  Do no obsess about keywords. You do not have to have a lot of them on the website to see results. Choose a good mix and include them in each article, but only as they fit with your topic appropriately. Finally, take the time to stay up-to-date on the changes that search engine companies make to their methods. This will ultimately enable your website to grow and stretch as the times change. It is very rare that you have to redo the entire site. Plus, if you do not want to do the work of all this "fixing," you can hire someone to do it for you.

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7 Benefits of Outsourcing to a Data Entry Service Provider

Nowadays, data has a lot of importance for any organization or business. The digitization of data through manual data entry can help improve operational efficiencies. Although every company or business knows the importance of data to support their business operations, not all of these businesses have enough resources to buy manpower for this purpose. In this article, we are going to take a look at some benefits of outsourcing data entry assignments.

1. Time-saving

Often, every business has primary and secondary processes. The use of an in-house team to take care of these unimportant processes may increase the cost of business operations. In other words, it will involve hiring executives with fast typing skills.

On the other hand, if you outsource data entry assignments, you can have these repetitive tasks done by a service provider. This can help you reduce unnecessary expense and you can focus on more important business activities.

2. Advanced Technology

Most outsourcing service providers have advanced systems in place in order to provide quality services in a timely fashion. If you outsource your data entry projects, it will not only save you a lot of money but it will also eliminate the need to maintain the required infrastructure. Plus, you will enjoy great results every time.

The money you have saved can be spent on other things you need for your business. This can help you expand your business without spending a lot of additional money.

3. Smart Partnerships

Outsourcing firms can provide customer services. The reason is that they can easily scale up in order to meet the needs of their customers. If you work with a reputable service provider, you can easily grow your business without spending a lot of money on expensive hardware and software systems. In other words, this smart partnership between you and the service provider is a win-win deal for both parties.

4. Better Talent

Typically, outsourcing service providers have a team of talented professionals that you can depend on. An in-house team of talented professionals will cost you much more than outsourcing your assignments to remote workers. The reason is that you will have to hire these professionals on a permanent basis, and you will have to pay them on a monthly basis regardless of the number of projects you get.

5. Lower Operational Costs

We all know that outsourcing offers a lot of cost benefits for organizations across the globe. By outsourcing your data entry assignments, you can get the work done at a fraction of the cost of having an in-house team. In other words, you can enjoy a much lower operational cost. We know that operational costs are not easy to maintain for any business.

6. Improved Productivity

Outsourcing service providers always meet deadlines. Therefore, you can enjoy improved productivity without investing in inexpensive hardware or human resources. All of this can help you achieve higher operational productivity. And with the increase in productivity, you can make more sales and enjoy huge revenues.

7. Competitive Advantage

As a business owner, if you want to stay ahead of the competition, you have to make strategic decisions in order to ensure your business operations give you the best productivity. By outsourcing, you can get quick access to talented professionals to enjoy a lot of benefits, such as lower cost, higher productivity and quicker performance. All of this can help you to get a competitive advantage over your competitors.

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Where to Find Bracelets That Will Improve Your Balance

Copper has been used for construction since prehistoric times, even before recorded history. Ancient civilizations even utilized the compounds in metals such as copper, zinc and manganese in their medicines and treatments. And as it turns out, copper has a wide range of health benefits! Copper is an essential micro nutrient that has numerous health, wellness and beauty benefits, from improved appearance of skin, to treatment of wounds and skin conditions, and also aids in maintaining metabolic processes, among countless other health benefits. Your body does not produce copper naturally, so you must add it to your body from external sources. Copper is found in many foods that you eat, including beans, nuts and seeds, seafood such as oysters, leafy greens, whole grains, soy, beets, avocados and cocoa. Your body stores copper in your bones and muscles.

You can also introduce copper to your body by drinking water from copper vessels or wearing copper jewelry. There are no risks or side effects reported with dietary consumption of copper. The only time a person would experience a problem would be due to excessive levels of copper in drinking water, exposure to high levels of copper through chemicals, or excessive use of supplements. High levels of copper can lead to oxidative damage in the brain. In Wilson’s disease, for example, high levels of copper collect in the liver, brain, and other vital organs.

According to the University of Pennsylvania School of Nursing, people with sufficient levels of iron can still be anemic. If blood test results show that you’re not getting enough copper, your doctor may recommend that you take supplements. Copper supplements are available as pills and capsules. You can also get copper intravenously, or through your veins. You shouldn’t take copper supplements and zinc supplements at the same time. You should take these supplements at least two hours apart.

Overview Copper is a mineral found throughout your body. It’s a nutrient that your body must have to function properly. You only need trace amounts of this heavy metal. Lead, mercury, and arsenic are examples of heavy metals that aren’t good for you. But getting copper in trace amounts is essential. Getting too much of it or not enough of it can cause health problems.

Copper deficiency in the United States and most developed countries is rare, especially when a person follows a balanced diet. In fact, most people can get all the copper they need through diet. If a person’s copper levels are low, a doctor can recommend a copper supplement and/or look for any underlying conditions. Anyone thinking about a copper supplement should first check with a doctor.

Helps the digestive system perform better Copper has properties that help kill harmful bacteria and reduce inflammation within the stomach, making it a great remedy for ulcers, indigestion and infections. Copper also helps cleanse and detox your stomach, regulates the working of your liver and kidneys, and proper elimination of waste and ensures the absorption of nutrients from food. “When water is stored in a copper container, the mineral gets leached into it. This copper leached in the water helps in breaking down of food particles in our body and improves our digestion.”

We have also discovered that after experimenting with copper charged with healing frequencies, the frequency imprint is amazing and result is great, The copper charged bangles works when is on the body and does not work when it’s not worn.

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6 Basic Financial Analytics to Predict the Future Trends

What do you understand by the term “Financial Analytics”? It is a complete system involving various tools to effectively enhance the profitability or productivity of a company. Financial Analytics collect and assess the financial data of the company to gain an understanding of the different facets of your business prospect. With the help of graphs and charts, the collected data is displayed. It gives you a visual picture of the complex information and helps you to recognize the scenario much easily and smoothly. By analyzing the data with the help of Financial Analytics, you can also predict the behavioral patterns, the future trends, take mindful decisions and nurture your business growth.

Here are 6 basic Financial Analytics to help you predict future trends.

Predictive Sales Analytics or PSA

What do you think is the most vital aspect of a company? Undoubtedly, the sales revenue comes at the no. 1 spot and this is what decides the future of your company. When you adopt the PSA approach, you can easily predict the sales figure for a certain month. You can get an idea if the sales figure is going to drop for a certain period.

Accordingly, you may revise the strategies for boosting the sales or implementing the new ones to calculate how effective your prediction is. When you get a clear picture of your sales generation, your tensions and panic attacks are much lesser. You can adopt a range of competencies and strategic approaches to know about your clients, plan effectively, and achieve hassle-free workflow.

Product Profitability Analytics or PPA

In this competitive market, you must know when you should exactly make your investments. It can be quite a time consuming to make an estimate of the profit, analyzing the product and its cost distinctly.

In such a situation, PPA or the Product Profitability Analytics comes as the best solution for evaluating the product and determining its profit-line. It can help you to make an informed decision by gaining an instant understanding of all your offered products and services. In order to strategically promote your products, you must know the likes and preferences of your customers. Once you are aware of the customer’s demand using the PPA analytic tool, strategizing product promotion becomes easy.

Customer Profitability Analytics or CPA

Who is your prospective customer? Whether you are an e-commerce giant, a cloud host service provider, or any business across the search engines, recognizing your prospective clients can always benefit your marketing endeavors. There are two types of client-

One who brings value to your company
One who brings risk to your company

Your revenue generation can jump up if you can differentiate between your non-profitable and profitable clients. Your marketing efforts can get a boost if you can start recognizing your customers by extracting their detailed information. CPA or Customer Profitability Analytics can help you in analyzing your customer’s behavior.

Shareholder Value Analytics or SVA

Adjudge your business value on the basis of the returns your stockholders receive from your business with the help of Shareholder Value Analytics or SVA. This tool also helps in determining the risk and value percentage of the shareholders. When SVA is used with revenue and profit analytics, its execution is better and easy to comprehend.

Cash Flow Analytics or CFA

While running a business, you must understand how much capital your business requires to function smoothly. The Cash Flow Analytics helps to predict the outflow and inflow of capital, future capital investment requirements, and also the amount that you may require to foster corporate operations.

Value Driver Analytics or VDA

A positive approach is a basic requirement to run a business successfully. Apart from it, planning and implementing your well-planned strategies are also important to achieve the desired results. Your business objectives can be nurtured rightly if you can understand the financial disturbances that may affect your business. In relation to this, the VDA tool can help in analyzing the strategic drivers for your business to achieve expected outcomes.

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Best Reasons to Choose Online Rent Collection

Landlords who have not realized the benefits of online rent collection are missing a lot and the following will help them understand the perks they can get.

Lets them save time

Usually, they go all the way to the post office to see if the payment is already in their P.O. box. Once it is, they will think of when and where they will deposit it. When collecting payments online, the rent is deposited straight to their bank account, which is convenient and stress-free. Online rent collection is crucial to the success of a property management business.

Keeps confidential information safe

Important information of tenants is written on a check such as their bank account and routing numbers plus their personal details, which sometimes include their phone number. Pieces of paper with this kind of info are prone to risk and they can be held liable whenever they are in possession of their tenant’s check.

Reduces stress

They do not need to personally collect rent. They do not even have to call their tenants, knock on their doors or send them a monthly invoice. The rent payment will be deposited to their bank account every month. Online rent collection is critical but most especially for landlords who have more than $1million worth of rent to be collect each year.

Helps them maintain a steady cash flow

They are notified whenever their tenant’s payment is being processed. Therefore, they know the date when the rent will be deposited to their account.

Lets them know about the tenants who pay the rent

Landlords in most parts of the country have to know those who paid their rent since payments determine who is a tenant by law. They will know the name of the tenant who paid and the amount.

Makes tenants happy

By this time, many tenants are already paying their bills online. They will be grateful to them for not using a check. They will think of it as one benefit of being their tenant.

Lets them be organized

When collecting rent online, they can easily transfer their income information to a spread sheet, making tax prep easier.

Makes it easy to collect other payments

When they are already set up, it is easy to collect other payments like one-time utility fees, late charges, pet and security deposits, among others.

Allows them to easily resolve payment issues

They will know immediately when tenants fail to pay because of insufficient funds. There are other online apps that let tenants make another payments using another bank account or card in order for them to get paid at once.

Lets them be flexible with their finances

Some apps let them arrange for payments to be deposited to different bank accounts so business can run smoothly

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