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Published 10.06.2014 | Author : admin | Category : Make Money Online Fast

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Our products are of the highest quality, are formulated from the finest ingredients and are available exclusively online to ensure that all our merchandise remain affordable for you. AboutVIDI Beauty and Skin Care launched in October 2013 with a commitment to offering top quality skincare products for women and men. Using the tutorial below, I will show you exactly how to start a WordPress blog and make money online! In addition to getting a free domain and some of the lowest rates in the industry, the benefit of choosing BlueHost is that your domain and hosting company will be the same so you don’t have to assign nameservers.
If you want to build a professional WordPress blog that will attract readers, advertisers, and brands, then use BlueHost to start a self-hosted blog and avoid the nightmare of free blogging sites. After you’ve chosen the right hosting package for your needs and budget, enter your personal and payment information to proceed. The Department of Labor released its final regulation on what’s known as the Fiduciary Rule. Frank was kind enough to join me on the podcast for a detailed interview about Vanguard’s services. Rob: I take it the financial plan you’ve described is put together by a CFP, a certified financial planner at Vanguard? Frank: The majority of our advisors do have that certified financial planning designation or they’re working towards it. Rob: Those minimums— let’s say the $50,000 minimum, can that be spread over a taxable account of say, $40,000 and an IRA of $10,000? Rob: This will be the dumbest question I’ll ask in the interview, probably, but I’ll ask it anyway, Frank. Frank: We really do recommend Vanguard funds as part of when we’re constructing a well-balanced, diversified portfolio for our clients. Frank: We can take a big picture view and look across different asset and plan types, whether they’re held at Vanguard or held away, in thinking about the holistic recommendation we’re going to provide. Rob: So after someone calls up and goes through this process, do they actually get a written asset allocation plan—a result of the initial consultations and initial work? Rob: Once an asset allocation plan is set and the client agrees with it— I take it the client can have all kinds of input into this, such as, “Well, you’ve recommended 70 percent stocks but I’d prefer 75.” I assume this a dialog between Vanguard and the client? Frank: While we see the mutual funds being used in the program, we certainly can accommodate the ETFs as well. Rob: Once the plan is set up and the investments are transitioned if they need to be, Vanguard does the rebalancing?
Frank: We have that as part of our investment methodology and we would certainly be happy to provide that to you if you’d like. Rob: I’m kind of a geek when it comes to rebalancing but I don’t know that we need to dive into the weeds. Rob: And for those entering retirement, do you help them with a distribution plans and required minimum distributions— which funds they should take from and how all that should work?
Frank: I’d say, through the on-boarding consultation process for our personal advisor, we’re effectively are delivering the opportunity to have that type of consultation.
Frank: Well, I’d say that one thing is— and I’m not sure if I mentioned it in our conversation, but we have a 30 basis point flat fee for the service. The post Finally, Investment Advice That Won’t Rob You Blind appeared first on The Dough Roller.
The Department of Labor released its final regulation on what’s known as the Fiduciary Rule. It's a simple 3-ring notebook that contains everything anybody would need to understand our investments, insurance, wills, trusts, and even passwords.
Tab 2 contains our net worth statement, which lists the assets we own and the debts that we owe.
It’s a simple 3-ring notebook that contains everything anybody would need to understand our investments, insurance, wills, trusts, and even passwords. The vast majority of our investments are held in two 401(k) accounts and multiple retirement and taxable (non-retirement) accounts. One final thought: regardless of how you decided to handle our investments, remember one very important thing. One thing that will help you stay the course is a simple rule—never invest money in the stock market that you’ll need in the next 5 years. As the above demonstrates, this binder is as much about education as it is a list of accounts.
The first tab lists contact information of the key people my family would need to contact in case the worst happens.
Behind the net worth statement are recent statements from all bank accounts, retirement accounts, and taxable accounts. Here I keep a copy of my life insurance policy along with information on how and where to submit a claim. In this tab, we keep copies of our wills, trusts, durable power of attorney, and advance medical directives.
Specifically, I’ve been preparing documentation that would enable anybody to run the business and understand the financials. The post The Money Binder: How to Prepare Your Finances For Your Death appeared first on The Dough Roller.
We look at a binder you can create to prepare your loved ones to handle your finances and investments in the event you are unable to do so. My question: As a first time home buyer, is it possible to leverage retirement accounts as a down payment? Traditional IRAs - With traditional IRAs, first-time homebuyers may use up to $10,000 to put down on a house without fear of a tax penalty.
Roth IRAs - Because money invested in a Roth IRA is after-tax, you are allowed to withdraw your contributions at any time. There are plenty of good options for making a down payment on your house that don't involve making withdrawals and risking your financial future. As you probably know, money that is saved in a qualified retirement plan (like a 401(k) through your employer) or an IRA receives special tax treatment. Of course, there are some exceptions, and buying your first home is typically one of those. Traditional IRAs – With traditional IRAs, first-time homebuyers may use up to $10,000 to put down on a house without fear of a tax penalty. Roth IRAs – Because money invested in a Roth IRA is after-tax, you are allowed to withdraw your contributions at any time. Yes, you can use retirement funds for a down payment on your first house…but, should you?
There are plenty of good options for making a down payment on your house that don’t involve making withdrawals and risking your financial future.
If you really want to buy a house, it may be time to press the pause button your other savings goals.
In the same way that the government encourages saving for retirement, they also encourage home ownership. Navy Federal Credit Union Loans – Active servicemembers and certain civilian employees of the Department of Defense may be eligible for a loan from the Navy Federal Credit Union. While using money from your retirement accounts to secure a down payment for a house is possible, there are better ways to come up with the money.
In episode 206 we look at how to use a retirement account as a down payment on a home, and the pros and cons of this strategy. We recently received the following question from a reader named Sam: My question: As a first time home buyer, is it possible to leverage retirement accounts as a down payment? We’ve done extensive reviews of You Need a Budget (YNAB) before, but just had to jump on the chance to review the recently-revealed YNAB 5. If YNAB 5 will be your first introduction to this budgeting software, you’ll need to know that their budgeting style is different. The point of living off of last month’s money is that you smooth out financial kinks, especially if your income is at all variable. YNAB has changed their style a bit with this update, which we’ll talk about in a moment.
Let’s add some fictional transactions to this non-existent bank account, and see how that changes things.
When you add a bank account, you can choose to enter your transactions manually, as I’ve done in this example. Toggle back to your budget, and you’ll see what happens to individual budget items as you allocate your spending for the month. As you can see, setting up and maintaining a budget with YNAB is pretty simple and straightforward. The three main new features of YNAB 5 are Age of Money, direct transaction import, goals, and a web app. As we discussed above, YNAB used to have a rule that you should live off of last month’s money.
If you use YNAB 5, make it a goal to increase the age of your money as you use the software. With the new YNAB, you can automatically import transactions straight from your bank account. Note that you can import transactions from multiple bank accounts and credit card accounts.
If you link credit card accounts, YNAB can track your credit spending separately from your bank account transactions.
If you connect your credit card account or other debt accounts to YNAB, you can also set goals for paying down the debt by a certain date.
Perhaps the most exciting development with the new YNAB, for me at least, is that it’s now available as a web app. We look at YNAB 5, the new budget software, and evaluate both the good and bad changes to this excellent money management tool. Just starting to pay back your student loans, or have you been making payments on them for years? Even if your loan servicer has already set your monthly payments, you can choose to switch to a new repayment plan. Standard Repayment Plan: This is the 10-year repayment plan that your loan servicer most likely defaulted to when setting your monthly payment amounts. Graduated Repayment Plan: With this plan, your payments start out lower and then increases. Direct Loan borrowers can only choose this plan if they have more than $30,000 in outstanding Direct Loans. FFEL borrowers must have more than $30,000 in outstanding FFEL Program loans to choose an extended plan.
If you have a family of four in 2016, your discretionary income is anything you earn above $36,375 per year. With this plan, if you haven’t paid your loans after making monthly payments faithfully for 20 or 25 years (depending on the terms), the outstanding balance will be forgiven.
It’s available for Direct Subsidized and Unsubsidized Loans, Direct PLUS loans made to students, and Direct Consolidation Loans that do not include PLUS loans made to parents. Your monthly payment may actually be more than on the 10-year Standard Plan, depending on your income. Pay As You Earn Repayment Plan (PAYE): This plan is similar to the REPAYE option, but with this plan, your maximum monthly repayment is 10% of your discretionary income. Again, your spouse’s income will count towards the figure of discretionary income, and any outstanding balance on your loan will be forgiven after 20 years of monthly payments. This plan works for Direct Subsidized and Unsubsidized Loans, Direct PLUS loans made to students, and Direct Consolidation Loans that don’t include PLUS loans made to parents. To use this plan, you must be a new borrower on or after October 1, 2007, and must have received a disbursement of a Direct Loan on or after October 1, 2011.
Because your payment is the same as or lower than with the Standard Repayment Plan, you’ll pay more in interest over the life of the loan. Income-Based Repayment Plan (IBR): With this plan, your monthly payments will be between 10% and 15% of your discretionary income. This repayment plan is an option for all loans made directly to students, including Subsidized and Unsubsidized Federal Stafford Loans.
Your payment will never be higher than it would have been under the Standard Repayment Plan.
Income-Contingent Repayment Plan (ICR): This repayment plan gives you a slightly higher payment than the other income-based options, but will likely pay off your loan faster. This plan is available for Direct Subsidized and Unsubsidized Loans, Direct PLUS Loans made to students, and Direct Consolidation Loans. Parent borrowers can use this plan by consolidating Parent PLUS Loans into a Direct Consolidation Loan. This plan is available for Subsidized and Unsubsidized Federal Stafford Loans, FFEL PLUS Loans, and FFEL Consolidation Loans. That’s a long list of student loan repayment options, many of which are confusingly similar. The easiest way to figure out what each of these repayment plans actually means for your personal finances is to use the Federal Student Aid Repayment Estimator tool. In this case, the income-based repayment plans will actually have you pay off the loan more quickly than the Standard Plan, and they’ll save you money over time, too. But what if you only make $30,000 a year, and you’re struggling to put food on the table for your family of four? Running your situation through this calculator won’t automatically give you an answer about which repayment plan will work best for your needs.
The bottom line here is that within the plans that are available to your situation, you need to choose the one that best fits with your financial limitations and goals. With all this said, it can still be difficult to choose a student loan repayment plan from all of these options.
With the Graduated Plan, your payment will likely rise every two years, giving you plenty of space to earn a raise before your student loan payment jumps up.
Your income is low and fluctuating. If money is really tight right now, and your income fluctuates frequently, the Pay As You Earn and Revised Pay As You Earn options might work best.
Keep in mind that these programs can be tough, though, if you go from a high-earning year to a low-earning year. Say, for instance, you make $50,000 in 2016.
You work for the government, a 501(c)(3) nonprofit, or certain other nonprofits. In this case, you might qualify for the Public Service Loan Forgiveness program. Work full-time (at least 30 hours per week) in one qualifying job or a combination of qualifying part-time jobs. Not count time spent on religious instruction, worship services, or proselytising towards your full-time employment requirement. After 10 years’ worth of payments, any remaining balance on your loan will be forgiven. Why the Standard Plan with some of the income-based plans could give you a higher monthly payment and a shorter loan term?
Remember, even if you’re doing great with your Standard Repayment Plan now, stuff happens. For the most part, student loan servicers offer great online tools for checking your payments under different repayment plans.
The post How to Pick the Best Student Loan Repayment Plan appeared first on The Dough Roller.
We look at the 7 repayment plan options for federal student loans and an easy to use tool to compare and choose the best option for you.
Welcome to our 5th and final entry in our Accelerator Series, where we’ve been discussing the opportunity to sell products on Amazon. Ex: “Shoes” versus “Men’s Brand X High Top Basketball Shoes – Size 12 – Black and Red – one pair”All available bullet points should be used in order to provide customers with as much information about the product as possible. With Drupal 8's change of theming engine from PHPTemplate to Twig, developers have more power and theme developers can develop faster.
Adding CSS and JS to themesIn Drupal 8, adding a CSS or JS file is now handled through "libraries", which can be a collection of any CSS or JS in any amount. ConclusionTwig in Drupal is much richer than what we've covered here, but this is a good place to start setting up your theme and creating a great Drupal 8 experience. Building any kind of website is not a simple endeavor, and the latest major upgrade of Drupal to version 8 has only further solidified that truth. Introduction to Drupal 8Drupal 8, the newest version of the Drupal Content Management System (CMS), was officially released on November 19, 2015. We are stoked to share that GRAYBOX received an award from the Portland Business Journal for placing 9th among the fastest growing private companies in Portland in June of 2016!
Buried in Apple’s announcements at their 2016 Worldwide Developer Conference was a nugget of interest to anyone to has an ecommerce site: Apple Pay would soon be possible as a payment method on ecommerce websites.
Tweet: Integrating Apple Pay directly into ecommerce websites is here and the implications are huge, especially for sites with high mobile traffic. However, close behind that is the inconvenience of having to dig out a credit card mid-check-out to complete the sale. The push to better mobile optimized (and, to a lesser extent, tablet) experiences has been critical and challenging for brands everywhere. For the 700-800 credit cards on file with Apple, it will be as simple as clicking an Apple Pay button at checkout on a site that supports it. Apple just released the API documentation for how to integrate Apple Pay into ecommerce sites going forward, but it will be 3-5 months before we’re seeing any widespread use of it. While Apple Safari only represents 4% of overall desktop traffic, it accounts for 55% of all mobile traffic and accounts for 85% of all traffic from iOS devices (source: StatCounter). The potential benefit of enabling what is essentially a one-click payment solution for everyone who owns an iOS device is significant and will lead to adoption rates much higher than other competing solutions (Amazon and Google, I’m looking at you) that have struggled to gain significant traction in the wider ecommerce world. Support for Apple Pay via open-source ecommerce and CMS platforms like Magento, Wordpress, and ExpressionEngine will eventually be widespread once folks start integrating it regularly. As folks start integrating Apple Pay into their sites, regardless of what platform they’re on, it will also be important to consider where in the conversion flow it should go.
The introduction of Apple Pay support for ecommerce sites in 2016 is going to be a big deal for a wide diversity of merchant businesses out there. This fact owes largely to the ever-growing marketplace of Shopify themes as well as a plethora of ecommerce website-builders all offering a simplistic WYSYWYG style of design.
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While fee-only advisors promote the fact that they take no money from the investments they recommend, little is said about their fees.
In the interview, we talk about how the service works, the cost, and how you can get started if you are interested in the service. If someone wanted to consider or perhaps use Vanguard’s Personal Advisor Services and they call in, walk us through the process. The first thing that would happen is that we would work with the client to get them an investor questionnaire.
In our personal advisor services group, presently we have about 350 advisors as part of the team.
So if someone were to sign up for this, would they be assigned one of those individuals to their accounts? For example, if you’re coming in at the lower asset level you would work with a named person though too. So when you put together an asset allocation plan, in addition to stocks versus bonds and other things, are you also looking at asset location between tax-advantaged accounts and taxable accounts?
When you implement the asset allocation plan, is it fair to say that you implement it with only Vanguard mutual funds or ETFs?
Let’s say someone comes to you and they’ve got a lot of Vanguard assets but they’ve also got a 401k at, let’s say, Fidelity, that they obviously can’t move. But as you articulated there, we wouldn’t have the ability to actually manage that portfolio. They do receive the comprehensive financial plan and we try to frame things in a way that really speaks to the investors goals. But every 90 days we would look at the investor’s portfolio to see if they’ve moved out of the guardrails and thresholds that we had in place. We hope to keep them well satisfied but there is certainly an opportunity to terminate the service if they choose to do so, for whatever reason. In some ways the investing part of it while you’re working is the easy part, although it doesn’t always seem that way. And as we work through the creation of the financial plan, there really is no real commitment to sign up. Is that 30 basis points regardless of whether you’ve got $50,000 invested in the advisory services or $10 million? But for the sake of a personal advisor (the service that we’re talking about here) 30 basis points would be the price point for the majority of investors. So, if someone wants to get started learning more, I can leave you phone number— Vanguard’s phone number in the show notes. The rule requires those offering paid financial advice on retirement accounts to put their client’s interests first. It’s a binder designed to give my wife everything she would need to handle our finances should I be unable to do so.
It’s intended to give my wife a complete understanding of our finances and how to handle them going forward. The Money Binder walks through my investment philosophy and provides concrete steps on how my wife can step into my shoes if the need arises. A time will come when the market is crashing, and you’ll be tempted to sell everything and move to cash. In our case, the list includes our trusts and estates attorney, accountant, benefit plan administrator (for our business), life insurance company, and primary bank. For this binder, I include footnotes that provide useful information to my wife. Here I focus on financial assets, our business, and real estate.
In this regard, I’ve been inspired by the excellent book, The E-Myth Revisited by Michael Gerber.
For retirement accounts like a 401(k) or IRA, the financial institution will transfer the account based on the designated beneficiary. While it may be unlikely that somebody would break into our home, find the binder, and take the passwords, it’s still a risk. In our case, the password tab provides details on how my wife or loved ones can access my passwords. Married couples can increase this amount if both spouses decide to tap into their retirement savings.
However, you may be assessed taxes and penalties if you withdraw any earnings on that money before 5 years of opening your account (or just taxes if you withdraw it after 5 years).
Frankly, the government doesn’t want a bunch of broke septuagenarians running around.
Instead of raiding your retirement accounts, try using one of the following ways to secure a down payment. Rather than taking distributions on money already in your retirement accounts, simply stop contributing to those plans for now.

With a minimum down payment of 3.5% of the purchase price, FHA loans make purchasing your first home more affordable. Nobody likes to pay PMI, but it could work out better for you than taking distributions from your retirement accounts. Before raiding your retirement accounts, determine if you are eligible for any of the special financing options mentioned above instead.
By being patient and continuing to save, you’ll be ready to purchase your first home before you know it. The new software includes some important updates that bring YNAB up-to-date with other competitive budgeting software tools.
The goal is, essentially, to work your budget so that you live off of last month’s money.
But, generally, the software encourages you to think ahead for your expenses, break them down month-by-month, and live off of money you earned at least 30 days ago. You enter your categories, track your spending, and adjust if you go over or under on certain categories. You can also choose to link your account to your bank account, which we’ll discuss momentarily. The higher your money’s age, the better off your overall spending and savings routine! As with the old YNAB, you can split transactions between multiple categories if you need to. I did have trouble syncing multiple accounts that are under the same bank account login, though.
This is helpful if your goal is to balance credit and cash spending in a certain way from month to month.
Rather than paying a flat fee to download the software, you can access YNAB directly from your web browser. The reason I stopped using YNAB, in spite of generally loving the software, is that I switched from a Windows-based laptop to a Chromebook.
For that, check out their introductory blog posts, which get into the nitty-gritty of using all the software’s features. We also talk about the 2015 letter to Berkshire Hathaway shareholders and how you can get an estimate of your future social security retirement benefits.
This is especially helpful if you want to pay off your loan more quickly or if money is tight and you need to reduce your payments. If you took out private student loans, as well, you may be out of luck when it comes to repaying those.
If you want to refinance a student loan to a lower rate, you’ll need to look at private student loans. This plan has you paying a set amount each month, and is set up to pay back your loan in 10 years. With this loan, you can extend your repayment period to up to 25 years, even on non-consolidated loans. Payments are calculated annually and are based on your updated annual income and family size. Payments are recalculated annually based on your income and family size, and your spouse’s income counts towards your overall family discretionary income. With this plan, your payment will be the lesser of 20% of your discretionary income or the fixed amount you would pay to repay the loan within 12 years.
With this option, though, your lender actually sets the formula for determining your monthly payment.
You’re married filing jointly with your spouse, and you have a combined annual income of $50,000. In this case, the Standard Repayment Plan might be a stretch, but the Income-Contingent Repayment Plan could be a feasible option for eventually paying back your loan. Without an idea of your monthly income and outflow, it’s difficult to figure out what you can actually afford to pay on your student loans. And since the Graduated Repayment Plan pays off your loan in 10 years, it gets you out of debt just as quickly (though not for as little total interest) as the Standard Plan.
Obviously, if you make all or most of your 120 payments under the Standard Repayment Plan, your loan will be paid in full, anyway. Once you’ve made 120 payments, you can fill out the Employment Certification for Public Service Loan Forgiveness form to see if you qualify for loan forgiveness.
In this case, choose the Standard Repayment Plan, and throw some extra money at your student loans if your goal is to get out of debt. If you lose your job or take a paycut to start your own business, you can change your repayment plan. To finish our series, we’ll look at the value of long-term Brand Development efforts and how companies are able to build upon their success selling on Amazon. If you think that your company could benefit from some strategic help on how to best leverage Amazon ecommerce, get in touch! The game uses your phone’s GPS for your real-world location and an augmented reality interface bring up those cool-looking Pokemon on your screen, overlaid on top of what you see in front of you. PHPTemplate was removed due to no longer being actively maintained and with several security flaws. This file is the most basic building block of your theme, and all other pieces start from there. Alt-tags should be concise and accurately describe the image, while also (if possible) including an important keyword. Maybe this is because they overlap with so many of our founding principles including helpfulness, education, collaboration, and diving into problems head-first to fix them.
Heatmap analytics tools typically report data through several different site overlays to show analytics for a range of user mouse behaviors.All heatmap tools display data in the same way – a color-coded overlay is superimposed over your website that uses hue to communicate mouse pointer activity level.
With their newly-released API, the possibility of integrating Apple Pay directly into ecommerce websites is here and the implications are huge, especially for sites with high mobile traffic.
The more clumsy the check-out experience, the greater likelihood a company will lose the sale. While the customer is locating their credit card they have the opportunity to change their mind about the purchase, feel insecure about entering their credit card information, become frustrated while entering it, be annoyed at having to locate their wallet, accidentally navigate away from the site, or become distracted by any other number of things on or off the phone. Convincing companies to make a significant investment to improve their mobile ecommerce experiences, though, has been a challenge given the meager conversion metrics and the sometimes-significant effort in making a site work effectively on mobile.
There just hasn’t been anything making the process of entering your personal and credit card information especially easy. Because Apple Pay leverages the Passbook app on your phone and is connected to your iTunes account, all your info is stored securely and is accessible with Apple’s built-in Touch ID fingerprint identification. It certainly won’t be a one-click install for most, but will have widespread support from a wide array of payment gateways. Use of the technology will be limited to devices running iOS 10 or macOS Sierra and using the Safari web browser.
For hosted platforms like Demandware and Shopify, it’ll be available for all their merchants nearly immediately once they support Apple Pay later in 2016. In merely a few clicks you can begin carving out your niche, forging a trustworthy online presence, and intuitively selling your inventory. Being one of the tricky businesses, especially students of social and political sciences a€“ CDA needs to be understood well in order to be mastered. Not earn money with youtube by internet marketing training program to live videos and myvideo. Even a fee of 1% of assets under management can reduce a portfolio by hundreds of thousands of dollars over a lifetime of investing.
It’s a pretty straightforward questionnaire of about 15 questions that would help them describe things such as their goals, their risk tolerance and a little bit of background about their situation. Rob: Then once you’ve hit above $500,000, you’re actually assigned a dedicated representative to work with? They will set up the plan, go through those initial consultations and do the really deep conversations that take place to ensure that the investor has a well-grounded plan as far as the opportunity of working with Vangaurd on an ongoing basis.
And we would look at all different sources, both taxable, tax-deferred type relationships as part of that holistic picture.
One of the goals is to make sure we give our clients in these ‘advised relationships’ tax efficient advice.
We can help the client input those into the plan so they are aware of it and they can see it as part of the picture but they would have to continue manage those different components on their own. For many of the individuals who enter into these advisor relationships, the main goal is retirement.
In fact, this is a great aspect of the service in that while it has a great deal of sophisticated technology behind it, it’s really more than just an algorithm. And at that 90 day anniversary, for each client, we would make a determination systematically whether a rebalance is warranted to get them back to the proper strategic asset allocation. You can still have that conversation and we hope investors will see the value as they work through it as we review the financial plan that we’ve created with their input. You mentioned the $50,000 minimum and getting a dedicated financial advisor going forward at $500,000. The ongoing fee for the advisory service and basically for all of the access to the sophisticated technology and the financial planner would all be offered through the 30 basis points.
Are there any aspects of the personal advisory services we haven’t covered that people should know about? It’s a terrific team that’s well educated with the majority holding that financial planning designation. With our retirement accounts, our investments are in a handful of primarily low-cost index mutual funds. Vanguard offers a service to manage investments for a very low cost (.30% of assets managed as of January 2016).
But the day may come when she is forced into that role, and I want to offer as much guidance as I can.
I’ve also been using SweetProcess, an online tool that helps businesses created repeatable procedures and processes. The key is to provide your loved ones with the information they need to handle the finances in the event of your untimely death. Many people would love to dip into their retirement accounts to help fund a down payment for the purchase of a home. With that said, similar to a traditional IRA, you may use up to $10,000 from your Roth IRA toward the purchase of your first home. So, they encourage people to save for retirement by providing special tax treatments on this savings. However, since taxes are deferred on money placed into a traditional IRA, you do have to pay income taxes on that money now. In order for those funds to work their compounding interest magic, you need to keep that money working for you for as long as possible.
It’s like having a built-in emergency fund that you just keep in your checking account. These steps, combined, can lead to much more financial control that will help you obtain your financial goals. If you go over on a category, you can shift money around to cover your additional spending. Usually this will only work for transactions that are at least 24 hours old, though this will depend on your bank.
We have two savings and two checking accounts with Huntington Bank, all accessed with the same login information. You can add a goal to fund the category item for a certain amount each month, or to have a balance on the account of a certain amount by a certain date.
It’s worth a few minutes of your time to understand how to use all the features of this great new(ish) software. However, many private loan servicers have their own repayment plan options, so it never hurts to ask. If you consolidate multiple loans into one large one, your standard repayment plan payback period can be up to 30 years, depending on your consolidated loan amount and terms.
Like the Standard Repayment Plan, this one will pay back your loans in 10 years, or up to 30 for a consolidated loan. This lowers your monthly payments, but increases the amount of interest you’ll pay over the life of the loan. Discretionary income is anything you earn above 150% of the federal poverty level for your family size. As with the two above options, your outstanding balance will be forgiven if you haven’t paid the loan back after 20 or 25 years, depending on your repayment terms. With this plan, your monthly payment is based on your annual income, and is refigured annually.
That depends on your particular situation, including your income, your other debts, and your debt repayment goals.
But that will have you paying more interest over time–not to mention staying in debt even longer! If you have a variable income and need more flexibility, choose a lower monthly payment and make extra payments when you can. These would give you the lowest monthly payment to start, and would continue to adjust based on fluctuations in your annual income. If you use an income-based repayment plan, however, you’ll likely have a balance left on your loan, which can be forgiven through the PSLF.
Most servicers will let you change repayment plans on an as-needed basis, though you’ll need to check with your lender to ensure you can change multiple times if necessary. But changing plans is straightforward, so don’t worry about locking yourself into a plan forever that may someday prove to be too much. We’ve already reviewed how big the opportunity is, but with that large of an opportunity comes intense competition. Today we’ll focus on two business units for which Amazon’s systems and operations framework can help ease the complications that come with rapid growth. Each method comes with its opportunities and its costs, with its risks and its rewards, but make no mistake there are companies making tens of millions of dollars annually by using each of these methods.
The Seattle-based company has accelerated the growth of online shopping by convincing millions of shoppers to forgo the lines and crowds and buy from the comfort of their home. But instead of dreading the change to how themes work, developers should be excited about the change to Twig and what they can do with it. If the theme you created is a sub-theme, you probably have this file already that was inherited from the parent theme.
We developed an On-site SEO Best Practices write-up to help our clients gain a good grasp of some SEO basics, and thought, why keep it secret? We’d like to say a hearty “thank you!” to our recent interns, Jeff Seymour and Oskar Radon.We asked our interns to keep a weekly journal of their experiences at GRAYBOX to help us improve our internship program for future interns and to help Jeff and Oskar process what they were learning. The first place you should turn to is a standard analytics tool like Google Analytics to check out site performance.There's a ton of actionable insights to glean through Google Analytics' [relatively] intuitive interface.
We’re not going to cover any of the specifics of installing and setting up Drupal 8, or the logic behind theme and sub-theme creation – plenty of other sites cover these topics and offer tutorials. In a previous blog post, we explored whether Drupal 8 was ready for the limelight, and now let’s take a look at Drupal 8’s adoption and timeline for its future.Drupal 8 Adoption“How’s Drupal 8 Doing?” is a question that gets asked frequently online.
The most influential factor in how streamlined an ecommerce transaction feels is the design of the check-out experience – and it’s hard to get right. Requiring Safari seems like a potential deal-breaker for anything expecting widespread rollout across devices, but it’s obvious the focus here is primarily on mobile devices. Experts of assignment help suggest putting down the course of CDA in 10 easy steps, which would not only clear the picture of what discourse analysis is but also make it easy for the students to do it themselves, waiving off their need for assignment help in this area.
Views monthly his online and writing and information on youtube is the youtube and deposit your efforts, brands are thousands of a way from blogs or twitter stream. That information then becomes the catalyst for us to create a financial plan for the client. And what we do is, at a break-point of about $500,000 in assets and above, you have an ongoing dedicated advisor. That’s one of the benefits of personal advisors, is that we are looking at a variety of account types and a variety of goals for the investor to make sure that we give them custom, comprehensive, financial planning advice. So we’re considering all those different structures to make sure it’s in the best interest of the end-client. Will you factor that in, in terms of the overall asset allocation plan that you’ll put in place for the Vanguard assets? This is an opportunity to work with a skilled, knowledgeable financial counsellor to be able to make sure that we understand what your risk tolerance truly is and how things reflect on your goals and objectives.
I’d say that roughly two-thirds of our clients are coming to us in that 55 to 75-year-old age range. Now, I’ve been with Vanguard forever and I should probably know this, but do you have a service— What if someone says, “I really like the idea of a financial plan and you sitting down with me and looking at my investments, making sure I have the investments in the right types of accounts and that sort of thing, but I’m not sure I’m ready for you guys to take over management of the investments yet.” Do you have some sort of financial planning service that you offer to those who don’t want the investment advisory services? But if an investor’s not ready to move forward yet, there is no obligation to consent to the ongoing advice.
Are there any other perks you get at other dollar amounts, whether it’s a million of five million? I think the value that comes from these individuals when you think about the current market conditions that we’ve been operating under which have been incredibly volatile, the behavioral coaching aspect that the advisor can provide is a real value add for the service.
But the value of advisors really comes into play during periods like the ones we’ve just experienced. These are mutual funds that seek to mimic certain stock and bond indexes, such as the S&P 500. We may be at war, unemployment and inflation may be sky high, or the banking system may be on the verge of collapse.
The point is that the passwords to the online accounts won’t be required to handle these accounts. With Dashlane, I can provide emergency access to all or just some of my passwords to anybody I want.
Typically, this includes paying income taxes on the money now plus a 10% early withdrawal penalty.
If you fail to pay back your loan on time, you’ll be whacked with a 10% early withdrawal penalty. This way, the money you already have in your accounts can continue working for you in conjunction with saving for your down payment. These loans charge an upfront guarantee charge of 2%, which can be wrapped into your monthly payment, with an annual guarantee fee of 0.5% tacked on.
The transactions that import are those that are already cleared by your bank, not pending transactions. I had to choose to only link our main joint checking account, rather than linking all the accounts under this login.
Now, I can get back to my favorite budgeting software, which is well worth the $5 per month. If you’re looking for a new budgeting software option, you should certainly try it out.
At the beginning of your repayment, the Graduated Plan can keep your payments much lower than with the Standard Plan. If you have a relatively low interest rate, a lower-payment plan that leaves you budget for investing can be a good idea. Once a company has realized success with a few products on Amazon, there are a number of steps to take to further capitalize on the Amazon Marketplace. As you play, you level up through the game.Explore Your CityJust last evening, I decided to visit Laurelhurst park in Southeast Portland. If needed, further templates can be created for individual pages, such as if you want a specific template for a content type, a certain ID of a content type, and if a piece of a certain content type is the front page of your Drupal site. So we’ve adapted it into a blog post and are sharing it with our readers.URL Naming ConventionsIndividual words should be separated by dashes. Said Jeff about his first week:“It was great to dive right in and work on a project that will benefit GRAYBOX, all while getting more back­end development experience programming and utilizing an API in PHP.
Instead we’re going to look at YAML and Twig.creative commons license by Avia VeneficaYAMLWhere does YAML fit in?
Particularly now that Drupal 8 has been officially released for seven months and migration decisions need to be made. What might surprise people is how much it’s paid off.An Emphasis on Partnerships, Not ProjectsWe enter our clients’ lives at a really interesting point – a point at which they decide to invest in themselves. Here is the 10 step guide to critical discourse analysis that will make your job much easier.1. To share your own financial goals, Nowhere is a cut your photos and to chris brown’s. I tell my listeners that if I ever get hit by a truck, I’ve asked my wife to hire you guys to manage our investments so I’m thrilled to have you on the show.
In my role I oversee the teams of advisors who provide advice through our newest service that we call, Personal Advisor Services. It’s more of a team-based approach for investors who, starting at the entry point for our service which is $50,000, up to that $500,000 and beyond that, it’s an ongoing named relationship of an advisor that the person would work with. For example, if it’s a college saving strategy or someone who wants to purchase a vacation home. What we’re finding is that many of the initial investors in personal advisor are actually Vanguard clients.
Using 65 as a proxy for retirement, we have many clients that are working with us to prepare for retirement and we have many clients in retirement. They can get some value through those consultations and hopefully, when they’re ready and see the merits of the ongoing relationship and all they will get when they come onboard whether it’s the ongoing access to the web tools or the ongoing relationship with the Vanguard financial advisor.
Again, I go back to the algorithms and formulas which are great, but it’s that personalized knowledge and awareness that the advisor can bring to the relationship. Remember that the goal is financial security, not squeezing every possible dime out of every investment. Rather, it’s to give the reader a clear overview of our key assets and all of our liabilities. As a result, I’ve spent a lot of time preparing documentation for my wife and children about the business.
If that person requests emergency access, I will be given a set period of time of my choosing to reject that request. Before long, your down payment savings will grow, and you’ll have enough to put down on your first house. Amazon’s catalog has over 480 million products, leaving lots of room for products to get lost in obscurity.
Supply Chain and Inventory ManagementSelling on Amazon can make a major difference for businesses.
The park is a bit out of the way for me, and I resent to say it - but after living in Portland for four years the only reason I have just now decided to visit this beautiful place was because of Pokemon Go. This makes the template system of Twig very powerful, and its auto-selection of templates based off of file name makes creating new templates and extending your theme a snap. Placing dashes between words helps Google differentiate those words and paints a clearer picture of what each page represents. Conversely this text highly visible and appears when somebody hovers over an image (before clicking).
Where analytics packages like Google Analytics fall short, though, is giving you any visibility into what people did on specific pages.In this blog post, we’ll go through how to measure on-page interactions within a Shopify site.
After Drupal is installed and the initial setup is complete, you start up your theme environment which ties everything together. We see ourselves as stewards of our client’s investments, so we’re very focused on working hard, producing great work and doing it in a spirit of genuine helpfulness.GRAYBOX forges partnerships with clients that reach beyond the project at hand.
Derive the Context of The DiscourseYou start with a research question and all the resources from where you would gather the data which will be critically analysed.
Why don’t you give the listeners a bit of an idea who you are and what you do there at Vanguard. We do have the ability too, though, to consider non-Vanguard holdings as part of the portfolio.
When we provide that financial plan, it’s showing the asset allocation, outlooks of success and the likelihood of being able to reach that goal.
We can help work with them on those tax efficient draw-down strategies and give them the assistance with things they need such as their annual RMD distribution. At times when people are maybe being tested a bit with fluctuating markets, the advisor can play a tremendous role and add great value to help someone stay the course and focus on the long-term and really go back to those assumptions we worked on together to create a long-term plan.

Of course, if I’m dead or incapacitated, than my loved one will be granted access at the end of that time period (in my case 2 days).
You might find you enjoy the extra cash flow you’ve created and decide to keep the cuts for good! Once a company has found a profitable niche to sell their items, they should do everything possible to sustain momentum and build upon that early success. The game rewards you with extra valuable items or rare Pokemon for visiting unique places such as parks or monuments.
Also, abbreviations should be avoided whenever possible, unless the abbreviations are searched for more commonly than the full keywords themselves. This has minimal SEO value and should be written strictly with the user-experience in mind.For large sites (like ecommerce) in which there is a large quantity of images, it is okay to use the same content for both alt tags and title tags. Overall, this first week as an intern was awesome!”GRAYBOX’s internship program is a 5-week hands-on internship where two promising budding professionals are mentored and put to work coding side-by-side with GRAYBOX’s senior developers. The examples included are all from one of our clients, Aries Apparel, who graciously allowed us to show some of the data collected on their site.Enter Heatmap Analytics Getting clear visuals into how users are moving around within a page can be immensely valuable in making improvements to your Shopify site that increase engagement and lead to conversions.
Mouse Movement - Actual eye-tracking studies indicate that users’ eyes follow their mouse pointer. In the first four months after its release, Drupal 8 had over 60,000 sites reporting to, which was twice as much as the 30,000 sites four months after the release of Drupal 7. As a digital technology consulting firm, we don’t merely execute a project and then disappear. We would actually have a conversation with them and really probe and drill down a bit to understand what their objectives are, and to make sure we’ve fully grasped what their objectives are.
That becomes the foundation and the information we use to help the client monitor progress and performance over time. Ultimately, through our research we’ve shown the ability to stay the course can often be one the biggest determinants for success going forward. Companies should focus their initial efforts on aggressively expanding their pay-per-click (PPC) advertising in order to find additional profitable search terms.
When a search is entered by a customer, Amazon’s search-results algorithm returns links to individual product pages based on a combination of different factors, one of which is the conversion rate for an item. In order to take advantage of all these extra sales opportunities, companies need to effectively manage their supply chain and purchasing department to maintain inventory levels.
These companies are also responsible for processing returns should a customer decide to return an item. If possible, ensure that your URL includes the keyword(s) that you are optimizing that page for. If we’re able to track the movement of someone’s mouse, then we can gauge with accuracy where their eyes are going. A company’s website is just one component of what can and should be a sophisticated digital system. By experimenting with various terms and testing effectiveness, the best keywords can be identified. This algorithm acts to facilitate a win-win-win situation, where companies benefit from selling their product, customers benefit from quickly finding what they are looking for, and Amazon benefits by receiving commission on the sale and any fulfillment fees involved with handling the logistics. While a 10x to 100x growth in sales can seem a little like drinking from a firehose, Amazon supports companies by giving them access to a suite of analytics tools to monitor product sales and anticipate misaligned purchasing and inventory management. Selling using Merchant Fulfillment can be advantageous if a company has access to a wide range of products and distribution centers, especially if the company can leverage a just-in-time inventory strategy and drop-ship products from their vendors. Shorter URL’s are more user-friendly for site visitors to share so if you see an opportunity to remove unnecessary words, do it.
The Mouse Movement view aggregates where users’ mouse pointer is traveling on the site regardless of whether or not they click something. A lot of the core of Drupal has changed in version 8, which is one of the most ambitious redesigns of Drupal yet. GRAYBOX’s solutions have far-reaching impacts into our clients’ businesses including digital marketing presence, business operations, sales, content development and mobile apps. We would set up another conversation to review that with the client and we would set up an asset allocation. So we can work around situations like that and consider it as part of the overall asset allocation. This iterative process means that a company’s products will show up more often and will lead to increased sales.
In the same way, an item that doesn’t convert well for a search term will, overtime, lose position due to its poor conversion rate.
Amazon’s network of warehouses also makes it possible to ship inventory directly from suppliers and manufacturers to the fulfillment warehouses. This can reduce the carrying cost of inventory and improve cash flow for companies that can manage the logistics effectively.There are, however, several downsides to this sales method. It is broadly useful for programming needs ranging from configuration files to Internet messaging to object persistence to data auditing.
The core is now based on an entirely different framework call Symfony, a powerful and robust object oriented platform. Custom-built digital solutions can automate processes for clients to relieve admin staff, and empower management with the data and marketing tools needed to attain growth goals.At GRAYBOX, we believe in partnerships, not projects. Check if it is related to any critical event and also jot down where and how you got the source material.2. At that point if the conversation led to a desire to enter into an ongoing advised relationship, then we would put that in place and begin to work with the client on an ongoing basis and provide them with the advisory service. When it comes to recommending funds, we do recommend Vanguard funds as part of the service. The broader the base of profitable search terms, the better a company’s products will perform. The bottom-line is that the conversation rate for a product page is critical and the content a company has on their product page is at the core of an optimized conversion strategy (for more on this check out Part 2 of our series).But what if a company is attempting to join an already competitive category where incumbents have years of sales history? By eliminating the need to bring every unit through their own facilities, companies can scale their operations without exceeding their physical capacity.
Amazon likes to control things, and as such does not prefer companies use the Merchant Fulfillment sales method since the inventory is outside their control and product tracking. If you want to be really safe, keep to 49 words or less – that number drops to 40 or less if it’s in all caps.
It will take developers time to relearn Drupal development on this new platform, so modules that users know and love will take longer to port to Drupal 8. If a client only chooses to do one project with us, we have missed an opportunity to be there for the client long-term. Study the Production BackgroundCheck for four things: background of the producer, the medium in which it is published, the layout of the discourse and the genre your source belongs to.
These same search terms also help create a barrier-to-entry to fend off competitors with similar products. How can a new company be successful when historical conversation rate plays such a significant role in Amazon’s search algorithm? This reduced stress on receiving processes not only lowers lead times and freight costs, but also keeps operating expenses in check.
As a result, Amazon has said that their search algorithms prioritize products fulfilled by their own fulfillment network since they can stand behind their delivery guarantees.
A minimum of one keyword instance is mandatory within each title, although two can be safely used as well.
The last week of their internship, Oskar journaled:“I ended up figuring out the fix on Wednesday, and it was an immensely gratifying feeling to have contributed to styling a site that will be seen by thousands of people. GRAYBOX is founded on a desire to help businesses succeed – we want to be there for our clients. Checking for who is the author, what are their political inclinations, which institutions they are associated with, etc. By using pay-per-click promotions, a company can impede their competitors’ ability to have similar visibility for the same search terms.
This is where marketing strategy meets content strategy, to create a holistic sales strategy.Optimize Your Product Page ContentWhen a company starts selling an item, they are in control of the content on their product page and can craft it with keyword-rich, descriptive, onbrand copywriting.
These improvements in efficiency free companies up to work on the most important issues affecting their business.2.
Another disadvantage to this sales method is that the free two-day shipping offered through Amazon Prime is rarely available to customers when items are being sold using Merchant Fulfillment. Three or more instances of the same keyword begin to appear “spammy” and may trigger Google to flag your site for review and negatively impact your SEO.Meta DescriptionsMeta descriptions should be viewed as a 160-character opportunity to make a sales pitch.
Not to mention to have figured out a particularly challenging problem –­ one of the best feelings in the world!”Many companies see internships as a preferred way of sourcing talent. Being able to see the gaps between where people move their mouse and ultimately click can provide insight into how effective different areas of the site are at getting someone to take an action. With each new version, the folks at Drupal have made decisions to use certain technologies to improve the CMS platform. We’re proud to be able to say that we’ve sustained a client retention rate of 95% and most clients have been with us for years. This attention to the product page content is critical because it helps increase the conversion rate for the product. Product FulfillmentPoorly managed fulfillment operations can cripple an ecommerce business. This downside is magnified because many Prime members have elected to filter out all items that aren’t available on Prime during their searches, something that is problematic for product visibility.
Network Effect – for the Customer and SellerLet’s unpack that Network Effect first from the customer’s perspective. They should be focused on attracting eyeballs while also maintaining a reasonable amount of descriptiveness toward the page or product. If there is a team opening, the internship could be used as an extended interview that allows potential candidates and employers to test the waters before signing. Like the example below, you can also see unexpected places where users are clicking that may lead to falloff in the conversion flow.3. With this update, they have decided to essentially strip down the core Drupal platform and then rebuild it using a new paradigm.ImpactWhether this big shift works in the long run or not remains to be seen. What this essentially means is that no more security fixes will be offered, leaving Drupal 6 sites vulnerable to attacks unless professionals that offer paid support are hired.
Unfortunately, if no one ever clicks on the link to the product page because the link is buried on page 20 of the search results, few units will ever be sold – a perfect 100% conversion rate on zero page visits is still zero sales. Many businesses have suffered through the headache of overwhelming their warehouse with a spike in sales, they’ve struggled to find warehouse staff during a seasonal sales rush, or maybe they’ve had their order management system crash midday causing delays on order fulfillment. With Merchant Fulfillment the inventory carrying-cost, the warehousing and the shipping costs are all the responsibility of the company selling the products. For $99 per year an Amazon Prime customer gets access to free two-day shipping, video content, the convenience of skipping the store, no hassle returns, free music, free apps, and much more. It is imperative to include the most important keyword at least once, and possibly twice, within each meta description.
At GRAYBOX our team openings don’t always align with our internship programs, but it does happen – in fact two of current staff started as interns. The biggest barrier to-date standing in the way of large-scale Drupal 8 adoption is that developers are still working on getting their modules and extensions Drupal 8-ready.
As can been seen on the Drupal version usage graph above, Drupal 6 has been on the decline slowly since 2013.
The layout is different in each medium and hence, a study of the same would help analysis better and of course, whether it is an interview or a cover letter, a news item or a commentary a€“ it is important to establish that.3. Growing fast is exciting, but many companies can grow so fast that they end up damaging their brand as their operations and systems fall behind.
Utilizing an incentive or a slogan that differentiates you from your top competitors is a tactic that also works well.Image Tagging Best PracticesAll images on your site, just like written content, should be optimized for search engines.
Brett Moore, Jr Web Developer on our Technical team and Tom Mertz, Jr Web Developer on our Support team both interned with GRAYBOX and were hired after their internships. This can tell you how effective your page is at drawing users in and keeping their attention.
Prepare For AnalysisPrepare multiple copies of your source so that you have enough scope for jotting your points down and marking the important ones. Amazon Sponsored ProductsWhen using Amazon’s pay-per-click tools, called Amazon Sponsored Products, companies can spend money on advertising in order to showcase their product listing when certain keywords are searched by potential customers. For payment on sales made, companies receive weekly remittance settlements from Amazon as a sum of their sales revenue for the items sold minus Amazon’s 15% sales commission, any advertising costs, and other miscellaneous fees.2. Now instead of running around to 3 or 4 stores, customers can get everything they need all from one place. Brett and Tom, as well as Jeff and Oskar, all honed their coding knowledge through Epicodus. We typically expect to see the warmest areas at the top of the page and a relatively smooth gradient down the page into the cooler colors.4. The decision is complex because of where Drupal 8 is in its development cycle, but here are a few tips to finding the right version.Drupal 8 is the FutureWhen weighing the pro’s and con’s between Drupal 7 vs Drupal 8, it’s not much of a contest. To do this, a company would define a testing period, often a full calendar week, and change one content piece for that testing period. For those who are familiar with pay-per-click (PPC) advertising, this is very similar to how Google uses sponsored ads to promote different websites. Once a company ships their product into Amazon’s warehouses, and elects to use Amazon’s Fulfillment Service, all the fulfillment logistics to ship products directly to customers are handled by Amazon. Fulfillment by Amazon (FBA)This sales method offers companies the ability to sell products on Amazon and utilizes Amazon’s Fulfillment Network to handle warehousing and product fulfillment to customers. Each of these features creates a greater experience for the customer, and in Amazon’s mind, making the customer happy is key.Now for the company selling the products. Epicodus is a four month, forty hour per week, in-person class on programming aimed at getting students a job as a web developer or app developer. Whenever possible you should be using Drupal 8 as that is the forward-looking solution, and you’ll save yourself from having to go through an upgrade soon. Every previous office has been near Portland’s burgeoning Southeast industrial corridor. Code Your DataAssign tags to paragraphs, sentences or words that fit in a particular category or relate to a particular concept in your source, so as to make categorization and assembling of data easier.5. Then, after tallying the sales results, page visits, and conversion rate, the company would use the better performing content piece and test against another variation of the content for a second week. That means that while there is some incremental increase in the logistics overhead, a company can grow more efficiently compared with handling all the processes internally.
Companies using Fulfillment By Amazon are responsible for shipping their products in bulk quantities to the Amazon warehouse designated by Amazon through their web service called Seller Central. When selling on Amazon, each company has access to millions of potential customers, something many of them would otherwise never have access to.
To give you one last glimpse into what kinds of things interns get to do at GRAYBOX, we’d like to leave you with this account from Jeff:“At the end of the day today, we'll go down to the Hungry Tiger to have a beer and hang out for a bit. GRAYBOX’s earnest, no-frills ethos feels at home among the small manufacturers and other start-ups in the neighborhood. And so on and so forth, continuing to experiment and revise to develop more effective content for the desired results. These shipments distribute a company’s items throughout Amazon’s Fulfillment Network for future sale to customers. In addition, depending on the sales method used, a company can leverage Amazon’s world-class fulfillment network to ship items all around the world. If you compare the example below with the Scroll Reach report, you can see that folks are concentrating most of their attention in the top area of the Product Detail Page (aka the “shop box”) where the primary product description, detail images, and options exist.5. If you know your site is going to be complex with a lot of modules and custom code, consider launching a site with what’s available now and then revisiting it in 6 months to see if any new Drupal 8 tools have been rolled out which you could take advantage of.
We move into our fourth office in the late summer of this year, located in the beautifully renovated Olympic Mills Building. Companies commit, in advance, to pay a certain amount if their advertisement is clicked by a customer when the customer searches for a specific search term.
Once an item is purchased by a customer, Amazon handles all the warehousing and shipping to the customer. Screen Recordings - Think of this as the 2016 equivalent of standing at the entrance to your physical retail store and observing how people who walk into your store walk around, interact with product, and where they get stuck.
We can’t wait to soak in the view from the 7th floor and fire up the grill on our 2,000 sq. This image appears on search results pages and has a dramatic impact on whether customers click on a company’s product.
Amazon then displays as many as seven of the top bids and the associated products which companies paid to promote. Items that are returned after purchase by customers are also returned directly to Amazon for collection.
Because Amazon is a marketplace, you have the opportunity to sell your products to millions of customers. I have talked to countless people who I would have otherwise not talked to while trying to become a Pokemon Master.
Screen recordings record the actions of a user entering your site and navigating around within it.If you're interested in reading others' studies and learning more about customer behavior within the physical retail environment, there are several books on the topic – we recommend Paco Underhill’s excellent book, Why We Buy. By changing the image to a variation, companies can gain confidence that they are using the best image variation possible. Amazon’s marketplace is an opportunity for you to diversify your customer base and accelerate your growth. On the back end I picked up some PHP, got some more experience working with the Unix shell, servers, SSH, Vagrant, creating local development environments, and various other useful concepts.
If you're interested in gathering primary research on customer behavior within your ecommerce site, we suggest diving into digital screen recordings from real users on your Shopify site.Actually seeing individual [anonymized] users on your site as they navigate around and interact with page elements can be fascinating and eye-opening. Because Amazon knows the availability and location of items throughout their fulfillment network, they allow companies to offer free two-day Prime shipping for Amazon Prime Members when purchasing an item. This is becoming especially important as shoppers change their search habits from the traditional Google search and jump right on Amazon when searching for products – in fact, over 44% of shoppers in 2015 began their searches for products directly on Amazon, while only 34% used search engines and the remaining 22% went directly to company websites.
On the front end, I was able to help code out some new features that will be implemented to the GRAYBOX website, and fix a bug or two on client sites.Even with things that did not involve coding, such as the password migration and some other support tasks, I think Oskar and I were able to contribute a good deal to GRAYBOX. This observation of customers in the wild within the habitat of your site is, in a way, like the Jane Goodall effect, named after the pioneering primatologist who spent her time observing chimps in their natural habitat to gain insight on their behavior.
Analyse Discourse FragmentsPick up statements from each code and try to conclude what each statement of the code refers to and what the whole text boils down to on each topic discussed.7.
Both of these tests should be influenced by customer questions and reviews, especially negative reviews, since customers who have had a negative experience with a product may expose a weakness in the content or description of the product. Items within the Amazon Fulfillment Network also receive better positioning in the search algorithm, helping improve product visibility. It was also very interesting getting a feel for how creative web companies like GRAYBOX work, how they handle the development process, and to see all that it takes to create awesome solutions for their clients. By drilling down to specific screen recordings on pages where you have desired actions for customers (e.g. All of these techniques are meant to develop over time and should prompt companies to stay attentive to their successful products as first priority before moving on to new products or sales channels.Develop ProductsCompanies should also begin considering how they can expand their product line to reach more customers.
Companies using FBA are charged a monthly storage fee based on cubic volume in storage and are assessed pick, pack, and ship fees for item fulfillment from the Amazon warehouses.
It is in most companies’ best interest to have as many products available to customers as possible as long as they are selling well. All the inventory sold using FBA is owned by the company selling the products so the company bears the cost of the inventory and the forecasting responsibilities for maintaining adequate stock for demand. That being said, once a company finds that a certain product or group of products sells well, they should look to find complementary products to broaden their sales platform. While maintaining ownership of the inventory adds a carrying-cost for companies, these companies are able to control the sale price of the items in order to maximize their sales revenue. Study the Linguistic and Rhetorical Mechanisms of the DiscourseLook out for word groups, grammar features, rhetorical figures, modalities, evidentialities and type of speech used to get into the contextual and implicative meaning of each statement. Companies receive weekly remittance settlements from Amazon as a sum of their sales for the items sold minus Amazon’s 15% sales commission, any fulfillment fees, advertising expenses, and other miscellaneous fees.3. If they are successful selling a stainless steel mixing spoon, then they might consider selling a stainless steel spatula or whisk.
Interpret The TextHaving it all together now, address the main question a€“ What does it all mean?. Not only does Amazon automatically do some cross promotion as an upsell tactic in their “Frequently Bought Together” section, but the second product also broadens the customer base a company can sell to. In both of these instances Amazon no longer acts as a marketplace but becomes a distributor for a company’s products.
Keep in mind that some tools like CrazyEgg (which has been around a while) are focused on click-based heatmaps only. Explain what the discourse is all about, what it implies, how it works and what was the purpose if the discourse.10. Now this company isn’t just limited to the people who need a new stainless steel mixing spoon, but now spatulas and one day a whisk, knife set, and mixing bowls. Rather than owning the inventory as with the FBA and Merchant Fulfillment programs, in these two sales methods, Amazon submits purchase orders directly to companies and buys inventory for resale.
Click-based tools don’t offer the same level of mouse tracking you’ll get from other more powerful tools.Installing a heatmap tool on Shopify is really straightforward. Reach Your Target AudienceOnce your analysis is complete, ita€™s time to present it to the target audience. The key to this new Product Development phase, is for companies to stay focused on the points of differentiation that led to their early success. These methods require that companies are willing to sell their product to Amazon at some discounted, wholesale-like, price.
For example, here are detailed instructions for how to install Mouseflow onto your Shopify site. Using the previous example, if the company is a stainless steel manufacturer, and produces excellent kitchenware, the alternate product from the first stainless steel mixing spoon is not a plastic spatula or silicon ice cube tray. The steps should be doable for anyone with the most basic of HTML skills.Wrap-upThe opportunities to use heatmap analytics to gain actionable insights are numerous on Shopify – or any other website or ecommerce platform for that matter. Use them all up to put together a presentation, report, thesis or paper.Assistance in assignments is the easy way out, learning to do yourself if the right way though. Companies should start to diversify with what they know and only once they exhaust those opportunities should they venture into brand new product lines. Vendor Express is a program that companies can apply for directly and are often accepted if their products meet certain Amazon contractual requirements.
We use heatmap analytics to inform efforts at several stages of a website’s “lifecycle.” For example, before we start doing a redesign we can use heatmap analytics to see what user tendencies are now. When auditing an existing site, heatmapping allows us to see where the greatest opportunities and points of friction are.
This service allows companies to sell inventory that is stored in the Amazon Fulfillment Network through other channels and still utilize the Amazon warehouses as a third party logistics provider. If a company uses either of these methods, Amazon takes responsibility for a majority of the sales process once a purchase order is fulfilled by the company.
Companies are not charged storage fees or fulfillment fees since the items have been purchased by Amazon. This fulfillment method not only reduces logistics overhead of managing two fulfillment systems, but Amazon also doesn’t charge their commission for sales through other channels and only charges for the fulfillment. These methods reduce some risks to companies because they no longer carry the inventory cost once Amazon purchases the items. Amazon also allows for their Vendor Central and Vendor Express partners to access special marketing opportunities under certain conditions. As we have discussed throughout this series, working with Amazon is about efficiently scaling to maximize growth.At GRAYBOX we believe in a balanced and deliberate approach to helping businesses grow.
Some of these marketing opportunities include the Amazon Vine Promotion Program and A+ Product Page Content. In many cases this means that a seller will receive purchase orders from Amazon that will be paid using Net 60 terms. Amazon also frequently includes, what are called Co-op fees, in their Vendor Central and Vendor Express contracts.

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