Different Types of A Financial Calculator To Choose From

If you are making some financial goals for the future, whether it has to do with your mortgage, investments, car loans or even managing your debt, being able to calculate things like your returns, the time period for which you need to save or how much you need to save is important.

With the various resources now available to you via the internet, you no longer have to wait on a meeting with the experts to give you the information you need. Instead, you can now use the resources available to you online to get started today.

One of the most important resources that you will find online as it relates to planning your financial future is a financial or money calculator. There are many different types available, and so you will need to choose the one appropriate to you based on your area of interest.

Mortgage Calculator: This calculator can be used to determine your monthly payments based on the interest rate and terms of your mortgage. As a result, you will find that there are different versions of this calculator available. There is a calculator for fixed mortgages and also one for adjustable rate mortgages. There is even a calculator that will help you to compare the two different types of mortgages to see which will suit you best. In addition, if you are thinking about refinancing or buying a new home, there is a mortgage calculator that will help you to determine the terms which will be most favorable to your situation.

Car Loans: This calculator will help to give you the confidence you need when dealing with the dealer of your car financing. You can use this calculator to check the terms of your loan and determine your monthly payments. In addition, you can also use the car loan calculator to compare various loans and choose the one with terms most appropriate for you.

Credit Cards: Today many persons are consolidating their credit card debts in order to pay off their credit card loans faster and also to be more consistent. You can use this type of financial calculator to help you determine the amount that you will need to pay in order to complete the payment of your credit cards by a set date. You can also use this calculator to help you see the difference it will make if you choose to make fixed payments to your credit cards instead of just paying the minimum amount.

Investing: If you are thinking about investing or have started to do so, financial calculators will help you to determine the amount you need to save in order to reach your goal. It can also be used to determine the amount that your investment will earn over time.

There is also a calculator for retirement planning, managing your debt and your personal finance. Basically, any type of calculator that you need to plan your financial future can be found online. The calculators are also very easy to use and most of all they are free.

Affiliate Marketing – An Overview

Affiliate marketing on the internet is everywhere. Products being sold range from exercises to help with plantar fasciitis to video game copying software. There are countless ways to market products, so we're just going to take a brief look at a few of the places people can use to get started, some startup tips and you'll be ready to start on a road to recycling, free "money.

One of the best ways to get started in affiliate marketing is to sign up at an affiliate site. Examples of this are ClickBank and Commission Junction. What these sites do is get together people who want to sell products and people who are interested in advertising for them. To refer to the examples above, you can promote pretty much anything from medical help to entertainment and computer software. I'm personally planning on doing solar panels next, as a system to reduce heating and cooling costs as well as general electrical overhead.

Most of these types of sites have a list that's quite extensive, and you can chose any product you like. Then you have the site create what's called a Hoplink for you. This is a personalized link to their product that tells the seller that the patron came from your link. This is what gets you credit for the sale. Sounds simple enough right? But how do you get that link out there?

Of course, it's important to do some research about the product you're selling. Once you can speak about it on a reasonable level, it's time to build a base of operations. Websites like Squidoo are wonderful for this. Squidoo is a ready-formulated lens building site. A lens is a website, but one with a specific purpose. It's called a lens because it focuses specific attention on the keyword chosen to target it at. Basically, you take a keyword people are searching on the internet related to your product, and you make that keyword the base for your lens.

So now you write up a fairly simple site promoting the product in question. There's tons of websites now promoting products and everyone has their own particular way of doing it so we're not going to focus attention on that. Go nuts, make something creative and jazzy, or serious and solemn.

Now you have your site trying to promote that product. How do you get people to look at it? The first thing to do is get your site indexed by search engines. There's products and services out there to do this for you, but you can easily do it yourself by finding and submitting to an RSS feed. Basically these sites link themselves to you so that search engines can just go through them and find new web sites.

Building multiple websites with different keywords and linking them to each other does not hurt, but the best way to get traffic is to get bumped up the actual search results list. The way to do this is to create backlinks. Backlinks are links from other sites directly to your lens site. Search engines see other people linking to you and bump you up result lists. So where can you get links to your site?

Well forums are a place to start. You have to be careful though, most forums do not appreciate people taking up their space with ads, especially if they're not getting a cut. There are some forums out there that are specifically for posts of that nature, however. Finding these and submitting to them is a great way to get started. Some people buy their own web domains and use these both for the "lens" site as well as backlinks. Free domains like Yahoo Geocities can be useful for this.

So to recap, first you pick a product you wish to promote, and find some good keywords that describe it. Push those keywords on a lens site, and use social networking sites, other domains and forums, etc. to get the search engine's "attention" and you're on your way. Of course, it's still a matter of getting the right people to your information, buyers. Google and others offer "readers" and the like to tell you what some good ones might be.

I hope this helps to clarify what affiliate marketing on the internet is and how it works. Good luck on your first dollar!

The Hopi and Their Jewelry

Hopi Silver Overlay Jewelry

The jewelry of the Hopi has a style distinct from that of the other Native Americans. The Hopi are known for the use of silver overlay, which utilizes a technique of fusing two layers of silver. The eye-catching and often elaborate design is on the top layer, while the bottom layers serves as a base.

It was not so long ago that the Hopi developed this technique. In fact the Hopi were not much into the making of silver. In their relative isolation on the northeastern Arizona high plains, or mesas, they were somewhat firewalled (so to speak) against external influences. Even their interaction with other Native Americans was limited.

Silversmithing of Native Americans

So while the Navajo learned and developed their silversmithing skills, a technique brought to the south-west of the American continent by the Spaniards, and which was then taken up by the Zuni, the Hopi were still practicing their own artistic heritage based on weaving and pottery. They were also adept at the making of kachina dolls, for which they deservedly remain renowned.

Time, of course, would not stand still, and even reliably isolated communities began to open up. Trading and commerce grew and the Hopi through their interaction with the Zuni exposed them to the craft of silver jewelry, at which the Zuni were now skilled. Lanyade, a Zuni, learned his silversmithing from the Navajo, and began to sell his silver jewelry. He travelled among the Hopi and Sikyatala became his student in 1898.

Sikyatala

Sikyatala is credited to be the first Hopi silversmith. It is reported that while Lanyade was at the Hopi reservation for four months, making and selling his silver jewelry pieces, Sikyatala was studiously observing and learning from the master at close range.

Sikyatala then began to use the technique of making silver jewelry. Other Hopi also began to follow and emulate the work of Sikyatala. In time the Hopi developed their own style, that of using overlay silver.

Hopi Silversmiths Paul Saufie and Fred Kabote

This technique did not so much evolve as was created by the Hopi silversmiths Paul Saufkie and Fred Kabote who were involved in a program at the Museum of Northern Arizona in 1938. After World War II the Hopi Guild was formed to encourage a program of silversmith training .

The designs of the silver overlay jewelry of the Hopi were also unique in that they adapted designs from the old broken pottery pieces of the 15th and 16th centuries. New motifs were also incorporated by the Hopi Guild, including kachina symbols.

The cross-currents in Native American jewelry nowdays mean that there are cross-influences as well. And different styles from the different currents may well find themselves evident in any piece of modern American Native jewelry.

But the fascinating development of Native American silversmiths and their crafts, in their different streams of artistic design, does not entirely obscure the original creativity. The silver overlay technique was the creation of the Hopi, even if it may now be employed by others.

Michael Kabotie

In ending, it may be noted that the work of Fred Kabote was continued by his son Michael Kabote (also spelled 'Kabotie'). Michael Kabotie recently passed away at the age of 67. He was a trail-blazer in the Native American fine arts movement, both as a Hopi artist and jeweler. His paintings were well-received, depicting traditional Hopi life. For a number of years, he also tapped the Hopi overlay technique at the Idyllwild Arts program in Southern California.

Local SEO Industry: Current Status and Future Projections

What Is SEO?
This is a common question that most people especially those who are either new or not familiar with online marketing might be asking. SEO stands for search engine optimization. In layman's language, it the process of capturing traffic from the search engines such as Google listings. Through this read, I am going to give you facts about the SEO business, current market status of SEO as well as the future projections in this field.

The Major SEO Players
Like any other industry in the world, the online SEO business has its players. This includes SEO local tools providers such as small digital agencies, SEO free lancers and web-designers among others.

Returns for SEO Players
The major reason as to why people get into business is to profit and expand their economic status. In the field of SEO business, the rates of returns are promising. This is because a recent research on SEO returns for a period of 12 months shows that at least all the players had something to take home. However, the returns are varying depending on a players' hardwork and skills in the field. For example, according to this research, 34% of the interviewed SEOs said they received an amount less than $ 30,000 while another group of respondents, 17% said they received returns that were above $ 500,000.

From the above statistics, it is evident that the size of an organization played a role in the determination of the amount of returns received. It beats logic for one to expect a large organization to receive low amounts of returns and vice versa. In addition, the presence of part time SEOs as well as the entry of newbies into the market could have let the low rates of turnover due to low operation capacity. However, it is hard to predict the course the SEO market is likely to take due to lack of clear shift in SEO earnings since the year 2011. However, the demand for local SEO services seems to be growing day in day out and this is appealing more players theseby tightening the competition among SEO service providers.

The Emerging Issues with the Current SEO Returns
With the above distribution of returns, several questions emerge. This includes the following:

• From the statistics, a large percentage of SEOs receive a low income something that suggests low pricing of SEO services.
• It is also possible that small and medium businesses do not understand the value of SEO services provided to them.
• The low SEO income earners, those who received less than $ 30,000 annual returns are also being doubted if they can provide quality services while earning that low.
• It is also unknown if most SEOs will still be in operation if their income remains static.

The Current SEOs Income Per Customer
Just like the annual SEO returns, SEO income per customer also varies. This is because there are those clients who would pay less than $ 100 a month while others will pay more than $ 5000 a month. This variation in income per client can be attributed to the type of services provided as well as the depth of services. The size of business a client is seeking SEO services for also play a role in determining the amount to be charged. For example, small businesses are charged less simply because their requirements are much smaller as compared to large multi-location franchise businesses.

Research also shows that some SEO service providers operate on high volume basis. Such SEOs provide simple SEO services at very low monthly rates. As a result, such SEO service providers end up having a high customer churn with a large dedicated network of sales team.

Similarly, some SEO service providers provide services that are more comprehensive in a much more professional manner customized according to the client theby leading to a low number of clients.

Due to the above statistics, it there becomes essential for any SEO service provider in the current market to operate in a manner that matches his / her setup.

Handling Capacity of the Modern SEOs
Currently, SEOs are handling more clients as compared to the previous years. Statistics show that about 40% of the SEOs in the market handle at least 11 clients while 23% SEOs handle at least 21 clients. Such large numbers of clients to handle lead to more audits to be done, lots of tasks, research, reports and even more calls from the clients to be attended to. The high numbers of clients also demand a high level of efficiency so that the clients can be assured of quality services.

Market Structure for Most SEOs
SEOs have been using several marketing techniques to promote their businesses. Offline marketing channels such as word of mouth has been cited by most SEOs as the most effective marketing technique. This can be attributed to the trust level, business reputation as well as relationships build during the offline campaigns.

Alongside offline marketing, SEOs also practice online marketing such as the use of LinkedIn and social media. However, most SEOs have cited LinkedIn as the best option as compared to the social networks because it is better placed for lead generation and networking.

Services Offered by SEOs
Majority of the SEO players offer onsite optimization with 91% of the SEOs practicing this. Google+ optimization has also a good number of SEOs practicing it as 86% claimed to be offering this service to their clients. For affiliate marketing, only a small percentage (11%) of SEOs are offering this service to their clients.

Other services offered by SEOs:

• Content creation / optimization
• Link building
• Citation building
• Social media marketing
• Website development
• PPC
• Mobile site development
• Video marketing and mobile marketing.

The most demanded service by SEO clients is onsite marketing, while the least demanded service is affiliate marketing. The other services are somehow averagely demanded. However, most small and medium businesses do not understand the opportunities that video and mobile marketing can unlock to them and therefore tend not to use these services. SEOs therefore need to educate their clients on these marketing channels so that they can go for them.

When asked about the online SEO services SEOs feel effective, 82% of them said that the General search is the most effective for generating leads. Local search appears to be the second best after 62% of the respondents in an SEO survey voted in its favor. PPC is the 3rd with 53% while social media is the 4th with 26%. Daily deals appear to be an appealing to most SEOs because only 1% voted in favor of it.

Tedious SEO Tasks
55% of the current SEOs in the market find link building to be the most tedious and time-consuming work. Others, although 15% only believe that content writing is the most tedious and time consuming task among all the tasks they do. It therefore emerges that to the 55% who find link building tedious, this task is also boring to them.

Future Projections
This is an outline of what we expect in the near future as far as SEO business is of concern.

Expansion of SEO Businesses
Compared to the previous years, SEO businesses has been growing and expanding steadily. Most SEOs (about 93%) are not only optimistic about expanding their businesses, but are also expecting to grow their business. In what seems to be a determined move to grow their businesses, most SEOs (82%) are willing to recruit more staff members so as to realize their desired levels of growth.

The social media is also expected to grow and be more effective even than the local directories. This is because most SEOs believe that social media can perform better because of recommendations from friends. Mobile usage is also expected to grow further and become relevant for local businesses.

Upsurge of Confidence in SEO Business
Unlike other businesses, the SEO business is showing a positive growth of confidence among the players. Despite this being a dynamic and innovative industry, most SEOs are still willing to recruit more staff to help drive their businesses ahead. 84% of the sampled SEOs in the SEO research are also optimistic that the SEO business is going to be more profitable starting this year 2013.

Confidence is also running high that if the SEO players increase the understanding of SEO / social among the business owners they serve in future, they will not only increase the business owners' rate of investment, but also make them transfer their marketing budgets from other channels to the digital channels.