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Best Mortgage Rate: 3 Tips to Actually Get the Most Favorable Deal

by Admin - on Jul 19th 2016 - Comments Off on Best Mortgage Rate: 3 Tips to Actually Get the Most Favorable Deal

Best Mortgage Rate in UtahMuch like in any other state, you naturally want to get the most favorable mortgage deal in Utah. Ideally, you hope to get be the shortest and the cheapest, but you can feel so bad to a home loan that’s reasonable enough for your situation.

There’s a large number of mortgage products out there, and it’s rather overwhelming to pick which one is really “the one”. Be it your first time or not, The Mortgage Partner Inc asks you to remember these as you explore the market:

The Best Isn’t Always the Lowest

When you search for the best mortgage rate in Orem, Salt Lake City, or Provo, you must not only look at the interest. A home loan may involve a variety of fees, which can affect the final amount you have to pay. Interest rates usually include points plus many other charges imposed by the lender that may increase your average percentage rate, or APR.

You must dig deeper and do your math. This way, you’d know every single applicable fee and find out exactly how much you’re going to owe over time.

Choose Your Lender Carefully

As you shop around for home loans, every mortgage company would try to sell you the idea of a best deal. No matter how good the deal their offer sounds, you should still exercise your due diligence.

It pays to scrutinize the credentials of all lenders you encounter to know which one truly deserves your trust.

Lock It, Lock It, Lock It

Securing a favorable deal is one thing; making it official is another. A quoted rate is nothing unless you have it in writing. In addition, loans are only real when funded, so if the lender doesn’t actually provide you the funds, technically, that’s not financing.

Considering the large amount of money that would change hands, everything in mortgage is negotiable. While advertised deals usually picture the best-case scenario, you have plenty of wiggle room to secure what’s best for your interests.

Don’t Be That Guy: A Survival Handbook for Your Next Night Out

by Admin - on Jul 15th 2016 - Comments Off on Don’t Be That Guy: A Survival Handbook for Your Next Night Out

Night OutWhenever you have night outs, you and your friends bet on who will be the most obnoxious, who will pass out first, and who will puke all over. You always thought it’s a matter of time before you’re finally the one listed in that drunken hall of fame.

Don’t be that guy. Save yourself from a year’s worth of embarrassment and mocking from your friends. When you attend an event at, have this handbook ready.

1. It’s not just an alcohol party; it’s a survival competition.

You’ve probably heard this way too many times, but you must pace yourself to see how long you can survive. A long party must be approached like a survival event. You will literally be poisoning yourself for hours. Listen to your body and know your limits.

2. Remember: Minimum volume, minimum impact.

The ABV or alcohol by volume is important to survive the night. The rule of thumb here is the lower the volume, the better. Beer contains only nine percent ABV; a shot of whiskey has around 40 percent ABV. Calculate your actions. shared the formula to get the exact ABV. For whiskey lovers out there, drink slowly or accompany it with a glass of water to lessen the effect.

3. Eat to survive.

Drinking on an empty stomach leads to everything you’ve been trying to avoid. This is vital, as you may end up with a memory blackout, blood poisoning, and all those dangerous antics. Eat a proper meal before the big event.

No, potato chips and fries don’t count. Don’t stop while you’re at the party. Keep on munching to slow down the absorption of alcohol.

Always exercise good judgment and never forget to rehydrate. Have your fun, but make sure to stay safe.

Love Rankings, Love Local, Love Searches

by Admin - on Jun 15th 2016 - Comments Off on Love Rankings, Love Local, Love Searches

Online Product Review in Ontario, CanadaThere’s more to online reviews and customer feedback than just influencing a customer’s purchase decision. Aside from prodding consumers to say “Yes!” to your product, these also impact local searches.

An SEO report from Moz lists online reviews as one of the top factors that influence local search results. If you’re interested in placing your faith in these reviews, here are the best practices to get you started:

What Online Reviews Do

xPosure Solutions, an SEO expert, says the number of reviews a brand has, the review velocity, as well as the diversity of sites, are ranking factors across organic results and local packs. Moz’s survey revealed that “review signals” are bigger than “social signals.” Even Google said reviews play a major role in local search rankings. In fact, it identified three factors:

  • Distance: the proximity of your business listings or matches to what people are searching for. A location’s term serves as the user’s location according to the device’s information.
  • Prominence: focuses on the offline and online prominence of a brand.
  • Relevance: determines how business listings match branded content against what people search for.

Improving Local Search Rankings with Reviews

The first step focuses on Google—particularly, getting your brand noticed by Google. This means claiming business listings with Google My Business. You can also get reviews on other sites, such as TripAdvisor, Yelp, Facebook, Foursquare, and Citysearch.

If improving local search is a priority, keep your eyes on Google My Business. An organized listing offers significant developments in local search performance.

After planting your flag on Google, do the same on other review sites.

Search engines are suckers for online reviews because these determine consumer trust and what you should look for. Experts assume that Google considers the value of reviews because it’s what users look for.

While search techniques continue to evolve, they go back to a simple fact: speak your customers’ language and expect wonders on your search’s performance.

The Land Down Under Gives in to the Bubble Tea Craze

by Admin - on May 30th 2016 - Comments Off on The Land Down Under Gives in to the Bubble Tea Craze

Australia’s trapped in a bubble — a bubble tea craze, that is.

Bubble Tea Craze2013 saw the Land Down Under experiencing a significant growth in the number of bubble tea stores. From the central business district to the quiet suburbs, more stores are opening up in major cities across the country. These stores are no strangers to long queues and customers happily sipping on cups of milk tea with boba.

So, what is the fuss about?

The Boba Rave

Bubble tea, otherwise known as boba, is a Taiwanese drink that has taken the world by storm. Originally appealing mostly to Asian customers, more Western countries are also falling in love with this sweet beverage. Its signature look is an extra thick straw with black tapioca bubbles at the bottom of the cup.

Chatime, a local tea place, says milk tea is also growing in popularity because of its build-your-own-drink gimmick. The choices are endless: the flavour, hot or cold, or if you want tapioca or not. Depending on your choice, your bubble tea can either be sweet and milky or fruity.

A Quick Fix

Unlike popular coffee drinks, bubble tea is easier to make. Despite the lack of whipped cream and other ingredients, bubble tea makers create delicious drinks by adding milk and/or tea with flavoured powder in a blender.

Aussies are big fans of a quick fix drinks whenever the thirst kicks in. Fast hawker fares are winning products for customers from dusk to dawn.

Comfortable Hangouts

The growing number of milk tea places in Australia does more than offer wonderful treats. If you’re looking for a nice place just to hang out with your friends, visit your nearest milk tea place.

Will Australia ever get tired of drinking milk tea? Judging from the empty cups and the long queues, it doesn’t seem like it. 

3 Unique Gift Ideas for Sporty Dates

by Admin - on May 24th 2016 - Comments Off on 3 Unique Gift Ideas for Sporty Dates

Gift IdeasIf you like giving gifts to your date who loves sports, why not consider giving something that fit their needs and interest. While many people think that sports gear and athletic shoes are great gifts for them, which they are, there are other unique and personalize offerings that can please your sporty date. Here are just a few options:

Sports Tickets – If your date is a fan of the West Coast Eagles, you can give them the best seats for the season by buying AFL West Coast Eagles tickets. Men and women, who love AFL, or any other sports for that matter, are fanatically loyal and dedicated to their team. Your partner will be thrilled if you could give them a chance to watch their favourite team up front and personal. Contact a ticket marketplace early just so you are assured you can choose your game and your seating.

Spa Treatment – Sports enthusiasts need time to relax, too. Add a little massage therapy, essential oils, and the pungent aroma of incense and candles and you’ve got a lazy afternoon date. This kind of gift is an ideal monthly ritual especially since you know your partner loves getting active and has been complaining about a crick in their neck or a sore lower body.

Gift Certificates – Even athletic people love discounts and a chance to splurge on the items they like is a wonderful gift idea. Check on their favourite stores and try to get them a gift certificate from there. They can select the item they want without you having to interrogate them about their favourite item, brand or colour. A gift cheque or discount voucher minimizes the chances of you getting them a gift they don’t like.

A gift can speak a thousand words, which is an advantage for people who like to focus on their interests. Your support for their pastime will definitely make them more open to you and hopefully will create a genuine connection between you both. Good luck on your gifts and hope it bears a wonderful relationship.

4 Myths About PPC Advertising You Need to Ditch Right Away

by Admin - on May 13th 2016 - Comments Off on 4 Myths About PPC Advertising You Need to Ditch Right Away

Pay Per Click BlocksWith inbound marketing, PPC hardly comes to mind. To many people, PPC is still a traditional advertising method that adds no value. However, what they don’t realize is that when paid marketing gets combined with organic, businesses can realize better results.

Relying heavily on paid search to drive traffic can be disappointing especially when you don’t get clicks. Combining SEO and PPC is the best way to get traffic as well as improve your site’s ranking. Here are some PPC advertising myths dispelled.

With PPC, you can set it and forget it.

There is a misconception that once you set up a PPC campaign, you’re all set up and you don’t have to think about it anymore. Unfortunately, this is not the case. You invest in your PPC campaign and you can’t just sit and relax, wait for it to work.

You need to carry out frequent tests, constant monitoring and increase/decrease your bid to know what works and what doesn’t. Right here in Denver, most businesses outsource their accounts to a reputable agency offering PPC advertising services.

Being in the first position will make you most profitable.

Unknown to many, being the first may not necessarily translate to profits. However, you may end up spending more cash than you’re getting profits. Nonetheless, being in position one increases your brand’s visibility.

Use as many keywords into your PPC account to get the most traffic.

Stuffing your PPC account with keywords makes it hard for users to know exactly what they’re looking for. You only need to have a few, relevant keywords that will generate returns on your investment.

Quality score is only calculated using click-through rates.

While your quality score will be based on click-through rates, Google also looks at your landing page quality.

Finally, do not copy your competitor’s ads; remember to test your ads no matter the clicks you’re getting and add phone numbers in your copy. Hire a notable agency to manage your PPC account, make recommendations, and optimize your PPC landing pages.

(Don’t) Skip This Ad: The Popularity of Digital Video Advertising

by Admin - on May 11th 2016 - Comments Off on (Don’t) Skip This Ad: The Popularity of Digital Video Advertising

Laptop with Video in SanduskyAmong the most popular mediums of advertising are digital videos found online.

With improved outlets, mostly mobile, this proves the broadening connectivity and reach of this type of video advertising. More consumers are now veering away from traditional media and focusing on what the Internet provides.

So, how is this type of advertising faring now? shares more information about this advertising strategy amidst its immense popularity and the steep competition.

Online Audience

With the continuous increase of people going and staying online, companies have to step up their game. To fit right in, they have to promote their businesses through an outlet where most of their target demographic is: on the Internet.

Just like in other mediums of advertising, competition is fierce and you have to be unique to capture your audience’s attention. On video platforms such as YouTube, there is an option where people can skip your advertisement after 5 seconds. If it doesn’t impress the mass, then consider it skipped.

This is because today’s audience expect advertising to be convenient, targeted, and most importantly, brief. The way they skim through content is fast-paced, so they skip whatever fails to grab their attention.

Growth of Digital Video Advertising

According to a report done by the Pew Research Center in 2014, this type of advertising is expanding at a rapid rate. Every year, it grows by 43.5 percent. By 2017, this will make up 15 percent of the digital advertising market.

The measurement of the price of a digital ad is through views, and the metric used is CPM or the cost per thousand views. Compared to cost per completion and cost per click, this metric shows the vast difference in values among the assorted types of digital marketing strategies.

So, what do you have to do to make sure your advertisement garners attention? Some of the things you can do are: invest in quality, cater your content to audience interests and devices, monitor video shares, include strong calls to action within the video, and incorporate compelling imagery and content to swiftly get their attention.

Apart from the usual banners and static type of advertising, movement can engage your viewers. If you’re looking for a different marketing method, try going digital.

Identifying Hazards: Professional Training Saves Lives

by Admin - on Apr 21st 2016 - Comments Off on Identifying Hazards: Professional Training Saves Lives

Workplace HazardsIn industrial settings, job safety is of utmost importance. One error could mean the life of a worker. While common sense usually dictates the propensity for safety, it is not fool proof. Lack of experience, lack of foresight or just plain carelessness is enough to cause a major accident.

Professional training for identifying hazards can drastically reduce accidents at the workplace. There are several specialists in New Zealand. Vertical Horizonz is just one of the companies that provide health and workplace safety training courses.

The advantage of a getting professional training for work safety is that workers become more adept at identifying workplace dangers. A trained eye is more efficient at sweeping an area for hazards.

Making Risk Assessments

Receiving professional safety training will allow the trainee to conduct detailed risk assessments. There are two basic parameters that fall under risk assessment:

  • Identifying hazards – Hazards refer to objects or situations that may cause harm. Hazards include any manner of dangers, such as open flame, caustic chemicals, moving machinery or high places. Professional risk assessors must identify these hazards to come up with a plan to manage their risk.
  • Identifying risks – Risks refer to the potential of a hazard to cause harm. Risk assessment will include the likelihood of someone coming to harm, as well as the possible severity of the injury. Hazards that are likely to cause severe disfigurement or death are more risky than hazards that lead to minor injury.
The Value of Identifying Hazards

Training will allow someone to identify hazards efficiently. This is an enormous task in industrial settings, and may require several days of careful consideration. Machinery, incongruities in structures and not following industry codes of practice all affect the risk of hazards.

Being able to identify these hazards will allow people to eliminate the risks in the workplace. People can avoid injury or illness. It will also maximise workforce efficiency.

While common sense is a good thing to have in terms of keeping safe in the workplace, professional training trumps it.

Pounding to the Top: Why Marketing Needs Hashtags

by Admin - on Feb 12th 2016 - Comments Off on Pounding to the Top: Why Marketing Needs Hashtags

Social Media in PerthWhen social media became culturally relevant, Internet language flourished. It is universal, incomprehensible at times but mostly, influential. Everybody likes using LOL’s and ROFL’s, emoji’s and other popular Internet expressions. Specifically, they enjoy using hashtags. No other form of Internet language has taken off quite like this wrongfully renamed sign.

Avid social media users remember the first days of hashtags when it was exclusively a Twitter thing. Then, it made the leap to Facebook and people rowed why it does not belong there. The hostility died down and from there, the hashtag became a social media phenomenon.

Simple But Effective

The proliferation of hashtags across all social media networks is unprecedented, according to online marketing company SEO Perth. Yet, its only discernible use is to categorise tweets, posts and shares. Its popularity, however, is rising and soon enough it jumped ship to other purposes.

In the world of marketing, exposure is king. The more people know about a product or service, the better. With social media, it is easier to promulgate a commodity to certain or broad set of customers. Then, hashtag happened and became popular. As a result, more people grew to like it up to a point that its presence meant higher customer engagement.

Across the Board

Hashtags are evident in all popular social media sites. It is utilised profusely in Instagram, the photo-sharing network. While it is unruly to use multiple hashtags, IG users do not mind using five in each post, or 11. They came to this conclusion with an attractive study that observed users with less than a thousand of followers, something that encourages new users.

Facebook, the most populous social media site, is also a fan of the hashtag. It is a little hard to categorise how FB users use hashtags, but rest assured there are plenty of those who do.

Social Media Marketing

It would be wise to be active on social media – namely those looking to sell or be famous. Active profiles are virtual avatars of real people and are a lot of them online and browsing at any given time. Therefore, the potential amount of customers can be up to thousands if the marketing is right.

There has been no alternative for hashtags and no other sign is ripe for the public to use. Furthermore, it already is in an Internet user’s psyche. That makes it very hard to replace and a prime tool market in a deeper, more suggestive sense.

Strengthening Your Brand Through Local Advertising

by Admin - on Jan 27th 2016 - Comments Off on Strengthening Your Brand Through Local Advertising

AdvertisingStrengthening your success in business involves marketing, no doubt, but using your marketing budget for indiscriminate spending will get you fewer results than if you knew exactly whom to market to.

For example, if you operate a small clothing shop in San Diego, posting an ad on a national daily may get you some customers. However, the high cost of your ad plus the wastage (people who see your ad in New York are not likely to travel to California just to shop at your store) is hardly worth it. You may argue that this is worth the exposure in the long term. That may be true, but right now, your small business cannot afford to look that far just yet.

You can use your budget for more effective advertising — that which targets your local market.

Why go local?

The cost of running a full-page, one issue ad in a local paper is about a tenth or less of the cost of running the same size ad on a national broadsheet. Why would you waste money marketing to people who have no access to your store anyway and would rather buy from a store that’s in their area? Consider your niche, as well. If your clothing store caters to the 15 to 25-year-old demographic, advertise in a local paper or magazine that the same demographic is likely to buy and read.

Should your online ads be local too?

In the same manner, post ads on websites that people in that age group search online. According to, for instance in San Diego, AdWords will give you a better chance of getting clicks in your area, which means there is a higher likelihood of getting some customers. The point is you have to go local even online. Geo-targeted keywords and search phrases are more effective than general ones. Therefore, in a huge sense, you get what you pay for.

Your marketing strategy will work a lot better if you focus on the community you belong to. Local business is better served by using local advertising.