![[Valid RSS]](images/valid-rss-rogers.png "Valid RSS")
This is a valid RSS feed.
This feed is valid, but interoperability with the widest range of feed readers could be improved by implementing the following recommendations.
<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>bomnems.info</title> <atom:link href="http://bomnems.info/feed/" rel="self" type="application/rss+xml" /> <link>https://bomnems.info</link> <description></description> <lastBuildDate>Wed, 18 Jun 2025 01:29:44 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Are Payday Loans a Solution For You?</title> <link>https://bomnems.info/are-payday-loans-a-solution-for-you/</link> <comments>https://bomnems.info/are-payday-loans-a-solution-for-you/#comments</comments> <pubDate>Tue, 18 Jul 2023 00:59:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://bomnems.info/?p=59</guid> <description><![CDATA[In today’s economy the threat of going into debt is ever increasing, yet still as unappealing as ever. In a time where the stability of banks is coming into question, it isn’t a comforting thought to think about borrowing money. … <a href="https://bomnems.info/are-payday-loans-a-solution-for-you/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> In today’s economy the threat of going into debt is ever increasing, yet still as unappealing as ever. In a time where the stability of banks is coming into question, it isn’t a comforting thought to think about borrowing money. But what if you are in need of a quick financial fix? Are payday loans a safe way to go even in a down economy?Let’s take a look at some aspects of a payday loan and what they mean for potential borrowers. First of all, what is the premise of a payday loan? Payday loans are short term loans for small amounts that are intended to cover financial needs until an individual receives his or her next paycheck. Payday loans can be used for any purpose, but are usually reserved for extenuating circumstances when there are no other options to cover a financial burden.Sometimes those two weeks just don’t go fast enough and unexpected expenses occur. Such issues can include anything from health issues to automobile repairs to rent being due. During such times a payday loan can be obtained in order to relieve a financial burden at a relatively small cost of interest. Payday loans tend to have a higher rate of APR than a full term loan would carry, but this number is often misunderstood.Because the loan will only last over usually a two week period, this annual percentage rate becomes crunched into a smaller time period, resulting in a higher number of APR. The actual interest cost to be paid usually comes out to around a dollar a day per $100.When compared to the interest cost of a regular, full term loan, this number is very reasonable. The small, temporary nature of payday loans differentiates them from regular loans.Payday loans were not intended to be long term, stressful procedures. Rather, they are available for those who, while receiving a regular income, find themselves in need of a quick, convenient solution at a reasonable price.If people are in need of long term financial aid, payday loans should not be the way they seek it. Individuals should be aware of the details of any type of loan before attempting to acquire one.Another way payday loans differ from long term loans is that lenders are not necessarily connected to banks. Because of this, the stability of a certain bank will not affect an individual’s ability to trust its lender.Lenders take measures to make sure their practices are legitimate and trustworthy. According to the Truth in Lending Act, all banks and lenders are required to clearly display the APR at which a loan will be obtained.Legally operating lenders will always be up front with the consumer about the interest cost before any funds are distributed. Lenders also make sure they are lending to those who will be able to pay back their money, plus interest.Potential borrowers are required to bring recent pay stubs and a current bank statement to show they are receiving a steady income and will be able to pay back the loan. So are payday loans a valid solution in an unstable economy?It depends on your situation. If you are an employed, responsible individual in need of short term financial aid, payday loans are a great way to go.If you are seeking a more long term, larger type of loan, you will want to look elsewhere. At the same time, if you are looking for a short term loan but know you will not be able to pay back the interest, it is best advised to stay out of debt.If borrowing money becomes necessary, personal financial responsibility is encouraged. If you feel a payday loan is a good way for you to go, you may obtain it two ways: Online or in person.Each method has its pros and cons but both require approval before any money is received. The approval process is simple and easy and does not depend upon credit scores.Rather, a lender simply needs to know you will be able to repay the loan once it is incurred. With different lenders, approval processes may differ. If you are considering a payday loan, don’t hesitate to contact a lender near you and find out what you need to do in order to obtain one. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://bomnems.info/are-payday-loans-a-solution-for-you/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Parents of Special Education Children Need To Know</title> <link>https://bomnems.info/what-parents-of-special-education-children-need-to-know/</link> <comments>https://bomnems.info/what-parents-of-special-education-children-need-to-know/#comments</comments> <pubDate>Sun, 09 Jul 2023 21:50:11 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bomnems.info/?p=57</guid> <description><![CDATA[Parents sometimes approach the special education system with hesitation. This may be due to other person’s experiences which they heard about or they may have had to put up a good fight to get their child considered as meeting the … <a href="https://bomnems.info/what-parents-of-special-education-children-need-to-know/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Parents sometimes approach the special education system with hesitation. This may be due to other person’s experiences which they heard about or they may have had to put up a good fight to get their child considered as meeting the requirements for special education. It is a scary thing to enter a situation of which you are unsure of especially when you know nothing of the teachers. Generally, there are a few things of which you should keep in mind when having to handle special education.The first thing to remember is that the people who work with special education children only want the best for them. It can be difficult to accept; however, even though these people may seem to have other things on their plates, the truth is that many times they have lots of paper work and politics to cope with. This does not mean that they do not care about their job or your child; it just means that they are human and they have many elements of their jobs to think about. This is an important thing to remember when you have a disagreement with a teacher or administrator as it may help make your negotiations a lot easier.Another important thing to remember is that while the school is required to give your child education, as long as it is adequate, they are doing their job. You may feel as if your child deserves one on one attention all the time but this may not be possible. When your child has the individualized attention of an aide, then this means this aide is unavailable for the use of another child. Remember that schools have limited resources which do include time and funding. As a result, you as the parent may have to devote your own time and money towards getting that extra assistance that may be needed. You may just have to accept what can be done such as having an aide available for part of the day or utilizing resource room help for challenging subjects.You will want to document everything that the school provides. The purpose of this is to assist with understanding what was agreed upon. As a result, the relevant persons will be held accountable for their work. So, if your child receives an evaluation or a note from the school or home work samples, save it. This will be proof of what happened. Documentation can serve another purpose as well. It acts as a collective record of your child’s schooling. This can be a big boost of encouragement to be able to review the skills that he or she has acquired.If you do find yourself in a situation where you have a disagreement with the school, you should know that as the parent, you probably have the legal advantage. The internet has sites where you can get free information about your rights as a parent of a special education student. Familiarizing yourself with these rights will assist you in knowing the grounds to pursue a disagreement in the legal context.</p>]]></content:encoded> <wfw:commentRss>https://bomnems.info/what-parents-of-special-education-children-need-to-know/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>What Is the Best Online Business to Start?</title> <link>https://bomnems.info/what-is-the-best-online-business-to-start/</link> <comments>https://bomnems.info/what-is-the-best-online-business-to-start/#comments</comments> <pubDate>Fri, 12 May 2023 17:41:49 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[best business ideas]]></category> <category><![CDATA[best online business]]></category> <category><![CDATA[best online business ideas]]></category> <category><![CDATA[best online business to start]]></category> <category><![CDATA[business ideas]]></category> <category><![CDATA[how to make money online]]></category> <category><![CDATA[make money online]]></category> <category><![CDATA[online business]]></category> <category><![CDATA[online business from home]]></category> <category><![CDATA[online business ideas]]></category> <category><![CDATA[small business ideas]]></category> <category><![CDATA[start an online business]]></category> <category><![CDATA[start online business]]></category> <category><![CDATA[starting an online business]]></category> <guid isPermaLink="false">http://bomnems.info/?p=55</guid> <description><![CDATA[If you are like many who want to make a good income online then the best online business to start is to start your own. Without a doubt you have most likely been looking through the information super highway for … <a href="https://bomnems.info/what-is-the-best-online-business-to-start/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> If you are like many who want to make a good income online then the best online business to start is to start your own. Without a doubt you have most likely been looking through the information super highway for an opportunity to make money online and have come across many websites that promise to make you rich overnight or sell you some software that can make you money with just a few clicks. Most of these are either a scam or just complete garbage. Of course there are many businesses that anyone can start, but many of these require a hefty fee to start or don’t tell you much about the business. These types of businesses can be very risky and almost always throw you a curved pitch about the business. So if you want to start your own online business without any risk than affiliate marketing is the way to go.One of the first reasons why affiliate marketing is a great way to earn money online is because you can choose what niche you want to build your online home business around. Having an interest in a niche or hobby and being knowledgeable about the topic you choose is a great way to make money. There are many people out there asking questions on just about anything that you may have an answer for. A great way to look for a niche you may be interested in starting is to look at yahoo answers and type a keyword and see what people are looking for. The second reason why starting an online business is great is that you are in charge and you can make your business skyrocket as long as you put in the time and effort into it. Like they say Rome wasn’t built in a day. So putting your ideas together and working to accomplish your goals will bring success to your business in any niche you choose.The third reason why to start is because it does not cost much unlike many other ventures the most you would need is to pay for hosting and a domain. Of course there are tools that help you build your business, these tools can be very helpful and effective and should be considered, especially if you want to make money quicker. In order to have the best online business you don’t need to spend a lot of money and you don’t need a loan to get started. Most people that make money on the Internet started off just like you and me with nothing but lint in their pockets. Just enough to get started and keep going, motivation is key and you must keep moving ahead.One thing to keep in mind is that starting your own online business takes determination and commitment and that’s how you turn your ideas into the best online business on the internet. Choosing a niche of your liking will be an easy online business to start. All you need is guidance on where to begin and how to run your online home business and this is achievable by anyone determined to be successful. </p>]]></content:encoded> <wfw:commentRss>https://bomnems.info/what-is-the-best-online-business-to-start/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Personal Finance Resources – What Can Help You Get Out of Your Financial Troubles</title> <link>https://bomnems.info/personal-finance-resources-what-can-help-you-get-out-of-your-financial-troubles/</link> <comments>https://bomnems.info/personal-finance-resources-what-can-help-you-get-out-of-your-financial-troubles/#comments</comments> <pubDate>Thu, 11 May 2023 17:01:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[basic finance]]></category> <category><![CDATA[finance]]></category> <category><![CDATA[finance basics]]></category> <category><![CDATA[finance books]]></category> <category><![CDATA[finance bros]]></category> <category><![CDATA[finance career]]></category> <category><![CDATA[finance degree]]></category> <category><![CDATA[finance frauds]]></category> <category><![CDATA[finance kya hai]]></category> <category><![CDATA[finance major]]></category> <category><![CDATA[finance meaning]]></category> <category><![CDATA[finance news]]></category> <category><![CDATA[finance shorts]]></category> <category><![CDATA[finance stock]]></category> <category><![CDATA[finance with sharan]]></category> <category><![CDATA[fix finances]]></category> <category><![CDATA[fix my finance]]></category> <category><![CDATA[learn finance]]></category> <category><![CDATA[mba finance]]></category> <category><![CDATA[mba finance jobs]]></category> <category><![CDATA[mba in finance]]></category> <category><![CDATA[personal finance]]></category> <category><![CDATA[public finance]]></category> <category><![CDATA[raga finance]]></category> <category><![CDATA[study finance]]></category> <category><![CDATA[what is finance]]></category> <category><![CDATA[yahoo finance]]></category> <category><![CDATA[yahoo finance premium]]></category> <guid isPermaLink="false">http://bomnems.info/?p=52</guid> <description><![CDATA[If you are in debt, you might be interested in seeking help. The good news is that you have a lot of personal finance resources right at your fingertips. If you owe lots of money to the credit card companies, … <a href="https://bomnems.info/personal-finance-resources-what-can-help-you-get-out-of-your-financial-troubles/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> If you are in debt, you might be interested in seeking help. The good news is that you have a lot of personal finance resources right at your fingertips. If you owe lots of money to the credit card companies, these resources can help you get out of debt. If you don’t owe any creditors right now, these resources can help ensure it says that way. </p><p>Personal Finance Software: These are software programs that you install on your PC. You can get a file to download the program from online or you can make a purchase and get the CD to install. Now, these software programs are just one of the many personal finance resources out there, but they are a great starting point. While these programs do vary, you are likely to get many features. You should basically be able to keep a balance of your checking or savings account, create a budget, get automated reminders to pay your bills, and much more.<br />Personal Finance Courses: The best way to education yourself on the importance of managing your finances, as well as learn how to do it is to enroll yourself in a personal finance class or course. These programs are found all across the country and some are even offered online. Basically what happens is that you get educated on important financial aspects, such as keeping a budget, making a budget, you are shown the importance of paying your bills on time, shown what to do if you do fall behind, and so forth. This is one of the best personal finance resources out there because it educates and prepares you for the future.<br />Professional Experts: If it comes to you getting out of debt, you are encouraged to seek help from a professional debt relief expert or a financial planner. In this case, you not only want to organize your monthly budgets, but you also need to get out of debt too. This is a lot to handle all by yourself. As just stated, this professional help can come from a financial planner, a credit counselor, a debt settler, or a professional consolidation company.In short, these are just a few of the many personal finance resources you should have available to you right now. Always remember that it is never too late to get out of debt and it is never to late to ensure you don’t succumb to it. </p>]]></content:encoded> <wfw:commentRss>https://bomnems.info/personal-finance-resources-what-can-help-you-get-out-of-your-financial-troubles/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Many Benefits of Online Education</title> <link>https://bomnems.info/the-many-benefits-of-online-education/</link> <comments>https://bomnems.info/the-many-benefits-of-online-education/#comments</comments> <pubDate>Sat, 18 Mar 2023 08:02:26 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bomnems.info/?p=50</guid> <description><![CDATA[Honestly, online education has become increasingly popular at colleges and universities in the past few years because of the improved access that it provides students. Online education refers to courses where at least 80 percent of content is distributed online. … <a href="https://bomnems.info/the-many-benefits-of-online-education/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Honestly, online education has become increasingly popular at colleges and universities in the past few years because of the improved access that it provides students. Online education refers to courses where at least 80 percent of content is distributed online. Students send assignments online and often participate in chat discussions or message boards that pertain to the course subject.However, while no face to face interaction is found in online degree programs, students are still able to communicate with each other through their computers. A growing number of physical universities, as well as newer online colleges, have begun to offer a select set of academic degree and certificate programs via the Internet at a wide range of levels and in a wide range of disciplines.While some programs require students to attend some campus classes or orientations, many are delivered completely online. In addition, several universities offer online student support services, such as online advising and registration, counseling, online textbook purchase, student governments and student newspapers. The benefits of online education includes, the ability to earn the same degree as an in class student, study at your own pace, convenience student resource center.EducationNevertheless, in higher education especially, the increasing tendency is to create a virtual learning environment which is sometimes combined with a management information system to create a managed learning environment in which all aspects of a course are handled through a consistent user interface standard throughout the institution. E-Learning can also refer to educational web sites such as those offering learning scenarios, worksheets and interactive exercises for children. E-learning services have evolved since computers were first used in education.The main goal of accreditation is to ensure that education provided by institutions of higher education meets acceptable levels of quality. Accrediting agencies, which are private educational associations of regional or national scope develop evaluation crite. Online learning can be a convenient way of getting your education but its not for everybody. Make sure to find out how much your education is going to cost before enrolling. Most colleges and universities now offer online learning also called distance education.Request free information about online teaching preparation programs and online education degrees from some of the most respected schools and colleges of education in your country. These highly respected education schools offer accredited education degrees and teaching preparation programs, delivered in a convenient online format. The internet has revolutionized education as we know it and now it is possible to earn a GED, BA, MA and even a PhD virtually without leaving your home and many other degrees are available with online education.However, the internet has made online education possible in virtually every discipline and for any kind of student. Homework can be handed in electronically and lectures can be watched by downloading video files, online education can replicate the classroom experience and give the student the opportunity to earn a degree while working around job and family responsibilities. Online education is now available for almost every kind of degree.It has made it possible to find a good school anywhere in the world but some people may need learning institutions close to them because they may want to visit the campus, use the library facilities, get to know other students face to face or take occasional exams which are proctored on campus. However, online education is more characterized by writing than by exams, simply because students who are located all over the world can not take proctored exams.LearningE-learning is naturally suited to distance learning and flexible learning, but can also be used in conjunction with face to face teaching, in which case the term blended learning is commonly used. It can also refer to educational web sites such as those offering learning scenarios, worksheets and interactive exercises for children. There is a trend to move toward blended learning services, where computer based activities are integrated with practical or classroom based situations.This idea is generally seen as being distinct from the use of computers in ways where learning is at least a peripheral element of the experience. Much effort has been put into the technical reuse of electronically based teaching materials and in particular creating or reusing learning objects.ConclusionOnline education is a way to increase students knowledge in a particular area of study by giving them access to a wide variety of material on the subject. It is rapidly increasing and online doctoral programs have even developed at leading research universities. It is accommodating in this manner, as it permits an individual to work while being enrolled as a full time college student.Moreover, it is convenient and flexible, allowing you to maintain your professional and personal commitments while pursuing a high quality education. Online education is now available for almost every kind of degree. </p>]]></content:encoded> <wfw:commentRss>https://bomnems.info/the-many-benefits-of-online-education/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Twelve Points to Consider Before Hiring an In-House Search Engine Optimization (SEO) Consultant</title> <link>https://bomnems.info/twelve-points-to-consider-before-hiring-an-in-house-search-engine-optimization-seo-consultant/</link> <comments>https://bomnems.info/twelve-points-to-consider-before-hiring-an-in-house-search-engine-optimization-seo-consultant/#comments</comments> <pubDate>Fri, 17 Mar 2023 16:23:57 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bomnems.info/?p=48</guid> <description><![CDATA[When a Small, medium or big sized business needs a competent search engine optimization (SEO) consultant, there are four options available:1 – Assemble a team of in-house webmasters, programmers and marketers to do the job.2 – Contract the job to … <a href="https://bomnems.info/twelve-points-to-consider-before-hiring-an-in-house-search-engine-optimization-seo-consultant/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> When a Small, medium or big sized business needs a competent search engine optimization (SEO) consultant, there are four options available:1 – Assemble a team of in-house webmasters, programmers and marketers to do the job.2 – Contract the job to a specialized SEO company.3 – Post an advertisement to hire an SEO consultant to work as an employee in the company.4 – Get an in-house SEO consultant from a specialized company to work with their staff without being an employee.So, what is the best option for your company? There are many points to consider before taking your decision.1 – Assembling your in-house team of webmasters and marketers will never work: From my long experience, assembling a team of in-house webmasters, programmers and marketers to do the job will never succeed as none of them has enough experience in optimization. Moreover, they do not realize what are the challenges that they are up against or the hidden problems from which their website is suffering.2 – Applying the best SEO practices: When starting any online project, the in-house SEO consultant will work with your managers to ensure that the Best SEO Practices are applied to every project, which will make it much faster to get your new web pages and other internet promotional advertisement to the first pages of Google and other major search engines.3 – SEO training seminars and workshops: An in-house SEO consultant will be able to organize SEO training seminars and workshops for different departments and different levels of employees on how to apply and include the Best SEO Practices in every online project.4 – Getting more profitable and productive ideas: The daily discussions and the direct communications between an in-house SEO consultant and the company administrators, managers, directors, programmers and webmasters will spark many new ideas on both sides. A simple idea or a suggestion in such an atmosphere can make a huge difference in starting a new campaign or modifying and existing one to be more profitable.5 – Creating the most SEO friendly websites: An in-house SEO consultant will be able to work more easily with your managers to apply any necessary modifications or redesigns to your websites in order to convert them into the most SEO friendly websites in the shortest possible time and with the least efforts. This will ensure that your websites will rank in the first pages of Google, Yahoo, Bing and other major search engines in the shortest time.6 – Detailed SEO audit: working with your webmasters and programmers, an in-house SEO consultant can more easily perform a detailed SEO audit to list all the points that need correction or modification in your website and in your different online advertising campaigns.7 – Selecting the most effective and profitable keywords to use for optimization: Having a direct contact with your staff in different departments will enable the in-house SEO consultant to finish the process of selecting the most effective and profitable keywords in no time, so the whole process of optimization can start quickly and become more effective and productive.8 – Adding social media marketing as an integral part of your internet marketing strategies: The in-house SEO consultant will have a direct relationship with a few selected employees in different departments to train them on how to establish a solid presence in different Social Media platforms. Maintaining a healthy presence on different Social Media platforms is a costly and time-consuming process. Having the in-house SEO consultant start and only supervise the selected company employees doing the daily Social Media Marketing activities will significantly reduce the cost involved in the process.9 – Publishing press releases: Being in direct contact with different levels of administration, it is much easier for an in-house SEO consultant to find dozens of ideas for new press releases every week. He can coordinate and publish many press releases every month to promote the products and services of the company, enhance branding and create hundreds of high quality back links which will post the positions of many keywords to rank in the first pages of Google, Yahoo, Bing and other major search engines.10 – Blogging: An in-house Consultant will have better chances to get many blog posts from different departments to post in the company blogs every week. An outside SEO company will not be in a similar position to contact different experts in the company to write blog posts. Every well written and optimized blog post is an asset and a testimony for the company. Blog posts will create hundreds of high quality back links in addition to promoting the products and services of the company.11 – Saving your time and money wasted on interviewing and hiring: Hiring an experienced SEO consultant is not an easy task. Hours are wasted in evaluating and interviewing many candidates. The interviewers usually do not have enough knowledge to enable them to pick up the most qualified candidates. On the other hand, getting an In-House SEO Consultant from a specialized SEO company will ensure having an experienced consultant without wasting any time in the hiring process.12 – Full-time or part-time: An In-House SEO Consultant from a specialized company can work one or two days per week, one or two days per month or five days a week. Depending or you needs and the turnover of your online projects, the in-house consultant can work one or two days in one week, five days the next week and one day in the following week. This provides you with flexibility which is not always possible when you hire an employee and save your business a lot of money when there is not much work for an SEO consultant.In Conclusion:Hiring a competent SEO consultant is never easy especially if the hiring managers are not proficient enough in SEO to identify and pick the best candidate.An in-house SEO consultant will work wonders for any business website by establishing clear standards for the Best SEO Practices in all company departments involved in the process of launching, modifying, improving and maintaining the many websites of your company.Getting an in-house SEO consultant from a specialized SEO company is the most productive and cost-effective option. Many companies have realized the value and the cost savings involved in getting an In-House SEO Consultant. These companies have achieved their goals in getting higher returns on their investments in web optimization and internet marketing. </p>]]></content:encoded> <wfw:commentRss>https://bomnems.info/twelve-points-to-consider-before-hiring-an-in-house-search-engine-optimization-seo-consultant/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Professional SEO: Hand Off to Bob or Outsource the Job</title> <link>https://bomnems.info/professional-seo-hand-off-to-bob-or-outsource-the-job/</link> <comments>https://bomnems.info/professional-seo-hand-off-to-bob-or-outsource-the-job/#comments</comments> <pubDate>Fri, 17 Mar 2023 14:55:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bomnems.info/?p=45</guid> <description><![CDATA[We are often asked if professional SEO (search engine optimization) can be done effectively utilizing in-house talent. Despite our obvious self-interests on the subject, our answer is always a qualified “yes”- you can achieve professional SEO results using existing talent. … <a href="https://bomnems.info/professional-seo-hand-off-to-bob-or-outsource-the-job/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> We are often asked if professional SEO (search engine optimization) can be done effectively utilizing in-house talent. Despite our obvious self-interests on the subject, our answer is always a qualified “yes”- you can achieve professional SEO results using existing talent. However, for every company we have known that has met with great in-house SEO success, we know of many more that have seen their in-house efforts fail. We have also discovered the companies that have succeeded share some common traits.If your company is considering doing SEO in-house, there are some critical questions that you should address before you proceed.</p><p>Do I have the proper resources at my disposal to achieve professional SEO results?</p><p>Search engine optimization takes time, and your internal SEO expert will need to have a great deal of it at his or her disposal – especially at the project’s outset when target audiences, keyphrases, and optimization schemes are first being established. Even after the initial optimization effort, the nature of SEO will require this person to spend ample time keeping up with industry trends, monitoring campaign progress, performing A/B testing, and expanding the campaign as new product and service areas are added.</p><p>Perhaps even more important than time, achieving professional SEO results requires a unique set of aptitudes. The person responsible for your internal SEO initiative must possess the ability to learn quickly and to look at your website from a macro-perspective, marrying together the needs of sales, marketing, and IT. He or she can not be an aggressive risk taker, as this is often a surefire way to get your website penalized and potentially removed from the major search engines. These gifted people exist in many companies, but given the unique attributes that these individuals possess, their time is often already spent in other crucial areas of the business.</p><p>Without enough time to invest in the project or the right type of person to execute it, an internal SEO initiative is likely doomed to fail.</p><p>Do I know which departments of my company should be involved, and will they work with an insider?</p><p>As mentioned above, professional SEO, by necessity, involves marketing, sales, and IT. The SEO expert must work with marketing to find out what types of offers and initiatives are working offline to help translate them effectively online. He or she must work with sales to identify the types of leads that are most valuable so that you can target the right people in the keyphrase selection process. And, finally, your SEO expert will need to work with IT to determine any technical limitations to the SEO recommendations, learn of any past initiatives based on a technical approach, and get the final optimization schemes implemented on the website.</p><p>Sadly, in many businesses, these departments have a somewhat adversarial relationship. However, it is the duty of the SEO expert to act as a project manager and coordinate the efforts of all three departments if you are going to get the most out of your campaign. No professional SEO project can be completed in a vacuum. For whatever reason, it is often easier for an outsider to get adversarial departments on the same page, in the same way that a marriage counselor might convince a woman of her undying love for her husband while the husband is still grimacing from a well-placed knee in the parking lot.</p><p>Will someone be held accountable for the results?</p><p>This may seem like a small consideration, but it can have a tremendous impact on the success of the campaign. If you have added this responsibility to some poor soul’s job description with the direction that he or she should “do the best you can,” you’ll be lucky to make any headway at all (especially if the person is not enthusiastic about SEO). Whether SEO is done in-house or outsourced, someone will have to take responsibility for showing progress, explaining setbacks, and continually improving results. Without this accountability, it is very common to see an initiative fade as the buck is passed.</p><p>Can I afford delayed results based on a learning curve?</p><p>It’s a reality – professional SEO expertise has a steep learning curve. While the information on how to perform the basics of optimization are freely available on the web, much of the information out there is also contradictory, and some of it is actually dangerous. It takes time for someone unfamiliar with the discipline to sort the SEO wheat from the SEO chaff (on a side note, a “quoted” search of Google reveals that this may actually mark the first occasion in human history that the phrase “SEO chaff” has been used – we’re betting it’s also the last). Simply put, if the person you are putting on the job has no experience, it will take longer to get results. This may not be a consideration if you aren’t counting on new business from SEO any time soon. However, if you are losing business to your competition due to their professional SEO initiatives, time might be a larger factor.</p><p>Will it cost me less to do it in house than it would to choose a professional SEO firm?</p><p>Often, companies will attempt this specialized discipline in-house in order to save money, and sometimes this works out as intended. However, accurate calculations of the cost of in-house labor that would be involved versus the price of the firm you would otherwise hire should be performed to make an accurate comparison. When making this calculation, also factor in the opportunity cost of the resource – the tasks that your in-house people are not able to perform because they are involved in SEO.</p><p>In addition, if worse comes to worst and your in-house SEO expert is led astray by some of the more dangerous “how-to” guides available, it can cost even more to repair the damage than it would have to hire a professional SEO firm to perform the optimization from the outset. And an internal SEO campaign gone wrong can cost even more than the stated fee – websites that violate the terms of service of the major search engines (whether intentional or not) can be severely penalized or even removed, costing you a lot of lost revenue when potential customers can not find your website for a period of time.</p><p>Do I believe that the end result I’ll get in-house will be equal to or greater than the results I would have gotten from a professional SEO firm?</p><p>Search engine optimization can create huge sales opportunities, and slight increases in overall exposure can have not-so-slight increases in your bottom-line revenue. If you believe that your talented in-house resource will, given enough time, achieve results equal to or greater than those that could have been achieved by the professional SEO firm you might have chosen, it may make sense to do it internally.</p><p>However, in addition to a better knowledge of industry trends, one clear advantage that search engine optimization firms have is the benefit of the experience and macro-perspective that comes from managing many different websites over time. Professional SEO firms can watch a wide range of sites on a continual basis to see what trends are working, what trends aren’t, and what formerly recommended tactics are now actually hurting results.</p><p>This macro-perspective allows professional SEO firms to test new tactics as they appear on a case-by-case basis and apply those results across a wide range of clients to determine what the benefit is. It is harder for an individual with access to only one site to perform enough testing and research to achieve optimum results all the time, something that should also factor into the equation.</p><p>Do I have at least a slight tolerance for risk?</p><p>Neophytes to SEO can make mistakes that can lead to search engine penalization or removal. This happens most commonly when they have an IT background and treat SEO as a strictly technical exercise. We are often called in to assist companies who have had an internal initiative backfire, leaving them in a worse position than the one they were in before they started. The simple truth is that you cannot perform effective SEO without marrying your efforts to the visitor experience, but this is not something that is intuitively understood when people approach SEO for the first time.</p><p>However, professional SEO firms are not perfect either. Some firms use those same optimization methods that violate the search engines’ terms of service and can get your site penalized. So, if you do decide to outsource, educate yourself on SEO and do some research on the firm. Know the basics of the business, find out who the firm’s clients are and how long they’ve been in business, and ask for professional references – just like you would do with any major business purchase.<br />If you have considered all of the above questions, and your answers to all seven are “yes,” your company may be uniquely equipped to achieve professional SEO results in-house. If you answered “no” to any of the first three questions but “yes” to the rest, it does not necessarily mean that you can’t perform SEO in-house – just that you may not be in a position to do so at this time. Taking the actions required to get you in the right position to answer in the affirmative might be worth your while. However, if you answered “no” to any of the last four questions, you may want to consider outsourcing the project to a professional SEO firm.A professional SEO firm has the resources, the time, the expertise, and, most importantly, the experience, to launch an SEO initiative for your website that will have a positive effect on your bottom line. Whichever option you choose, it is important that you fully embrace the channel. A half-hearted initiative, whether done internally or outsourced, can be as ineffective as taking no action at all. </p>]]></content:encoded> <wfw:commentRss>https://bomnems.info/professional-seo-hand-off-to-bob-or-outsource-the-job/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Help! My New Car Financing Has Eaten My Raise!</title> <link>https://bomnems.info/help-my-new-car-financing-has-eaten-my-raise/</link> <comments>https://bomnems.info/help-my-new-car-financing-has-eaten-my-raise/#comments</comments> <pubDate>Thu, 09 Feb 2023 09:21:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[finance]]></category> <guid isPermaLink="false">http://bomnems.info/?p=43</guid> <description><![CDATA[Let’s take a look at the facts: Housing prices are rising at a clip of 10-15% per year, tuition costs are rising by an average of 10% each fall, and energy costs – well, the average rise in prices depends … <a href="https://bomnems.info/help-my-new-car-financing-has-eaten-my-raise/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Let’s take a look at the facts: Housing prices are rising at a clip of 10-15% per year, tuition costs are rising by an average of 10% each fall, and energy costs – well, the average rise in prices depends on the week you happen to be looking at, but double-digit increases have been the norm for the past few years. And now, the really depressing fact: Average wage increases have hovered between a measly 3 and 4 percent for the past three years. Now what, you ask, does any of this have to do with car financing?Hey, as simple as can be stated, it boils down to numbers. Interest rates: These are the hidden little killers that can destroy retirement plans and lifestyles over the course of a lifetime. Car financing is the second most important credit-related decision you will ever make, the first being the mortgage on your home. So, just as an example, let’s say that you make $30,000 per year and are looking to finance a $25,000 car over five years. The difference between attaining approved car financing at 6% interest and 16% interest equals $130 per month if you take the loan out over 5 years! And here’s the clincher – a 3% annual increase in salary will net you an extra $900 per year (and that’s before taxes), while saving $130 per month on your car financing puts nearly $1600 more dollars in your pocket. (And hey, that’s after taxes!) Even a few percentage points difference on your car financing can actually equal or exceed the raise you got from work this year!I had no idea those tiny numbers could add up to so much money! What is my best option for getting an approved car finance plan – with the lowest interest rates?In the end, your credit rating, and the interest rates it commands, can make or break you over the course of your life. Car financing is not rocket science, but you really have to be careful with the numbers – or you can end up paying thousands of dollars more than you have to. Your best approved car finance option is probably going to be obtained through a bank or credit union. The great things about getting your car financing through a bank is that you tend to get the best rates, personalized service, and you don’t have to worry about some pushy car salesman trying to shove useless add-ons down your throat every five minutes! However, banks and credit unions have higher car-financing standards, so you need decent credit to consider this as an option.But wait a minute – the banks always take forever to process a loan, and the salesperson at the dealership can get me approved in minutes!This is very true. But there is a price for that convenience, isn’t there? The dealer almost always offers you a higher rate on car financing – and be prepared for them to try and sell you every single add-on you never wanted in the hour it takes them to fill out the paperwork! That approved car finance arranged through the dealership may save you a week over financing through a bank – but just a few percentage points difference in interest rates can easily cost you $1,000 more each year for the entire length of your loan. So in the end…how much is that week worth to you?All right…the dealer can be a bad option for car financing – but what about those online places that can approve me in minutes?In all honesty, the Internet can be a great place to secure approved car finance. With the ability to hop around and shop the different sites, you can definitely get some decent interest rates, sometimes comparable to those offered by a bank – plus you can get approved in minutes, and be driving your new car in a day or so. So what’s the catch? Well, the Internet has more than its fair share of scammers just looking to get your social security number and other vital information. If that car financing information ends up in the wrong hands…well, you can do the math! Plus, the ‘Net can be terribly impersonal at times – but it is still a viable option for approved car finance at competitive interest rates.Impulsive and poorly made car financing options can literally cost you the price of an entire new car over the course of your life. Approved car finance is available through a number of outlets, and each has its own benefits and disadvantages. However, if you want to be able to afford actually driving your new car someplace other than home and work for the next few years, you may want to avoid the inflated car financing, AND those useless add-ons, offered by dealerships. </p>]]></content:encoded> <wfw:commentRss>https://bomnems.info/help-my-new-car-financing-has-eaten-my-raise/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Your Bank and Business Financing – Reality Check</title> <link>https://bomnems.info/your-bank-and-business-financing-reality-check/</link> <comments>https://bomnems.info/your-bank-and-business-financing-reality-check/#comments</comments> <pubDate>Thu, 09 Feb 2023 04:42:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[finance]]></category> <guid isPermaLink="false">http://bomnems.info/?p=40</guid> <description><![CDATA[Business owners and managers want to compare equipment finance companies to their bank and for a good reason; a bank is a company’s first point of reference when borrowing money or financing equipment or an expansion project. A bank is … <a href="https://bomnems.info/your-bank-and-business-financing-reality-check/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Business owners and managers want to compare equipment finance companies to their bank and for a good reason; a bank is a company’s first point of reference when borrowing money or financing equipment or an expansion project. A bank is the most obvious place to start and a secure place to store your money and use their multiple services. But what a bank does not do well, both historically because of their structure and the recent tightening of the credit market, is offer business financing for capital assets (equipment). Yet many people get confused when looking for an equipment loan because they are not seeing the whole picture; this is a case where you definitely want to compare apples to apples to get the best results.Here are a few points to compare; these are not set in stone but based on years of experience, these trends apply a majority of the time.1) Total Dollars Financed – banks normally require that you keep a balance of 20% or 30% of the equipment loan amount on deposit. This means they are only financing 70% or 80% of your equipment costs because you have to keep a certain amount of YOUR money in a fixed account for the duration of the loan. In contrast, an equipment finance company will cover 100% of the equipment including all “soft” costs and will only request a one or two month prepayment. No fixed deposits required.2) Soft Costs – banks also will normally not cover “soft” costs like labor, warrantees, consulting and installation which means these costs come out of your pocket. An equipment finance company will cover 100% of the equipment price including “soft” costs and some projects can be financed with 100% “soft” costs which no bank would ever consider.3) Interest Rates – this is the most popular question in the finance world; what’s my rate? If the bank requires 30% deposit in a fixed account then that automatically raises a 5% interest rate to a 20% rate. Now people will argue that you get that deposited money back at the end of the term but that is money which you do not have access to and has an opportunity cost associated with it. Equipment finance companies target their financing rates between 3-5% for cities and 7-9% for commercial financing which is a real fixed rate and not under-stated as the bank rates can be thus independent finance company rates are very competitive with “true” bank rates.4) Process Speed – banks often take weeks to review and approve a finance request while independent finance companies normally only take a few days and can work much more quickly. Finance underwriters only review business financing while a bank has other types of requests clogging their channel.Banks also have many more levels of approval and review to pass while independent finance companies normally only have two, underwriting and credit committee. Even with complicated deals, the finance company’s process is always faster.5) Guarantee – banks require, as a standard part of their documentation, a blanket lien on all assets, both personal and business assets are used as guarantee against default on the loan. Your business assets, your home, your car, and your boat can all be on the line when entering into a bank transaction. This may also be the case with an equipment financing company but if your business operation is solvent then only your business will be listed as collateral and not your personal assets; this is known as a “corp only” approval.6) Monitoring – banks require yearly “re-qualifying” of all their business accounts which means on the anniversary date of your loan each year, you must submit requested financial documents to assure the bank that everything is going well and nothing has affected your business in a negative way. Finance companies do not require anything during the term of the loan or finance as long as the monthly payments are made on time. Nobody will be checking into your business or policing what you do.When comparing your bank financing to an independent equipment finance company, you have to make sure you are evaluating all the key parameters, not just one. Clearly, the fine print and terms of the transaction are more important than the big numbers. Banks work well within their space but have proven time and again not to be as flexible or solution-oriented as an independent finance company which solely focuses on business lending can be. </p>]]></content:encoded> <wfw:commentRss>https://bomnems.info/your-bank-and-business-financing-reality-check/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Should You Invest in Residential Or Commercial Properties?</title> <link>https://bomnems.info/should-you-invest-in-residential-or-commercial-properties/</link> <comments>https://bomnems.info/should-you-invest-in-residential-or-commercial-properties/#comments</comments> <pubDate>Tue, 31 Jan 2023 06:31:47 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://bomnems.info/?p=38</guid> <description><![CDATA[Most people in Northern CA started investing in real estate by buying their own homes. And most have made money as real estate in Northern CA has continued to appreciate in value. So when they move up, they decide to … <a href="https://bomnems.info/should-you-invest-in-residential-or-commercial-properties/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Most people in Northern CA started investing in real estate by buying their own homes. And most have made money as real estate in Northern CA has continued to appreciate in value. So when they move up, they decide to rent out their first homes. And then they acquire a few more homes. They know they have negative cash flow but make a profit because of appreciation. This is the typical story how most real estate investors invest in residential properties. So far luck has been on their side.As the interest rates have gone up gradually in the last 12-24 months while the rents in the Bay Area remain very much flat, the negative cash flow gap is widening. The risk for investing in residential properties is increasing. The same old formula of investing may not work anymore. In the best case, investors may still make money but not as much in term of percentage since the value of real estate is pretty high already. In the worst case, investors may lose money as residential real estate may remain flat or even decline in value. Is there a solution for real estate investors in Northern CA? Of course, these investors can use the same old formula in a new area that has potential for appreciation. So the key is to find this new area. They just have to talk to someone who knows this new area. It could be Bakersfield or Sacramento or Fresno. Alternatively, investors can put money in commercial properties: retail strips, shopping centers, medical office buildings. Let’s just explore this paradigm shift to see if it makes investment sense.1. Income: commercial properties generate 50 to 200% more rental income compared to residential properties in the Bay Area. In addition, there is no rent control for commercial properties. So landlords can charge your tenants as much as the market permits.2. Leases: in general commercial real estate leases are more favorable to landlord compared to residential leases. Besides the base rent, tenants also have to pay landlord for property taxes, insurance and all maintenance expenses. These leases are called Triple Net or NNN leases. Because of this type of lease, commercial properties are better maintained than residential properties. Besides, the NNN leases also take away a lot of risks from the landlord as maintenance costs are unpredictable. On the other hand, landlords tend to defer maintenance on residential properties to reduce the cost. Consequently, the deferred maintenance will have negative impact on the value of the properties.3. Better Tenants: tenants for commercial properties are financially stronger. They may be Walmart or Home Depot with billions of dollars in the bank. They are less likely to nickel and dime with you. In addition, they also guarantee the lease with their assets. If for some unforeseen reasons they have to vacate the property, they continue to pay the rent or find another tenant to sublease it. They are also motivated keep your property in good condition to attract their customers to their stores. While majority of residential tenants are good, some think once they pay the rent they have a license to trash your properties and then disappear in thin air with no forwarding address!4. Long term lease: commercial tenants are less likely to move. They often sign 5-10 year leases. Tenants like Walgreens, and Walmart sometimes sign 20-50 year leases. In contrast, residential leases are short term. They could move out to a new place a mile away to get a $25 rent relief! It’s a fact that the turn over rate for residential tenants is very high compared to commercial tenants. As a landlord, this gives you more unneeded migraine headaches and stress.5. Management: It’s much easier to manage a 10-tenant shopping center than 10 individual homes in 10 different places. As a matter of fact, if you own 10 residential rentals your tenants most likely have worn you down and we are exhausted. They often move out in the summer just around the time you want to take off for vacation. Yes, it’s a fact that residential properties are very management intensive because of high turn over rate. If you have to hire a property manager, it also costs more in terms of percentage of the rent to manage residential properties. Besides, it probably is a full time job just to manage these 10 property managers!6. Income Tax Returns: it’s much easier to keep track of records for income tax purposes for a 10-unit shopping center than 10 separate residential rentals in several states. You just need to have one file for the shopping center while you will need 10 folders for 10 residential rentals. The task becomes more challenging as the IRS requires you to keep records for several years. Your out-of-state income tax return is also thinner for a 10-unit shopping center than 10 residential rentals.7. Tax Write-offs: commercial properties offer the same tax write-offs, 1031 exchange as residential rentals.8. Credit Scores Impact: most people don’t know that once they have about 10 residential mortgages, their credit scores will start going down. The credit bureau reasons that credit risk is higher the more money you borrow and 9-10 mortgages seem to be the threshold. On the other hand, commercial mortgages have no negative impact on your credit scores as these mortgages are not reported to the 3 credit bureaus.9. Pride of Ownership: most commercial properties are referred to by name and not by their addresses, for example Lion Plaza, or Valley Fair Shopping Center. They could be trophy properties that offer enormous pride of ownership. You get lots of respect when you tell people you own a certain shopping center they know.10. Investment size: commercial properties often require substantial amount of money so it’s not meant for someone with a modest amount of money.So if you want to work hard for your money or bet on appreciation then invest in residential. If you want to work smart, go after commercial properties. Commercial real estate investment is a more prudent way to invest in real estate if you have more equity for down payment. Each month you have strong positive cash flow so you don’t need to rely on just appreciation to make money. So if you have not invested in commercial real estate, you now know why you are not among the elite group of real estate investors. You probably wonder where you should go from here if you want to explore this possibility further. In the coming issues, these topics will be discussedo Which commercial property should you invest?o Where should you invest in commercial real estate?o How to pick and choose a good commercial propertyo What you should know before hiring a property management companyIf you cannot wait for those articles, you can sign up for a free seminar about Commercial Real Estate Investment at Transmercial. San Jose Real Estate Investor Club (phone number 408-264-3198) occasionally offers a similar seminar for a small fee. </p>]]></content:encoded> <wfw:commentRss>https://bomnems.info/should-you-invest-in-residential-or-commercial-properties/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
Download the "valid RSS" banner.
Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)
Add this HTML to your page (change the image src attribute if necessary):
If you would like to create a text link instead, here is the URL you can use:
http://www.feedvalidator.org/check.cgi?url=https%3A//bomnems.info/feed/
