With the continuing proven success of online business websites, everyone wants to know how to make money online. Online business success depends on your ability to provide a working budget, personal energy and other skills, and sufficient time to work on your online business. Below we are going to examine a few strategies, and how to apply them to your goal of owning an online business.• Professional Website
Without a professional website, it will be impossible develop your goal of owning a successful business. Building a website is best done by a professional web building company that offers hosting, and domain name ownership as a part of their package. While anyone can use a free web building company, you will be under the impact of their restrictive policies. Building your own website from scratch is a doable, but difficult undertaking. This is not the place you want to save money while building your business.A successful website should include the following;• A domain name should be short, easy to remember, relates to your website content, and include a.com Extension.
• 5 pages of easy, concise content
• All content should be connected to your domain name
• Auto responder for ease of tracking and communicating with your visitors.
• Advertising from responsible, reputable sources
Using Free Resources’ to Market Your Online Business
• Community ForumsThe popularity of community forums is a proven supply of contacts for potential clients. With the addition, of a link directly back to your online business website placed within your signature, every conversation you have is a potential lead back to your website. Using LinkedIn, Facebook, Twitter, or any of the multitudes of social forums to find ongoing discussions by people who have a similar interest that your product or service could be of use for. Logging in and providing outstanding answers to questions can peak the attention of people who respect your response and take that step to bring them to your business site, by clicking on your embedded resource box link.• Article Marketing
For someone who can write a well versed, keyword rich, original message filled with great information, article; the benefits of using search engines to drive traffic to your online business site is multiplied. You can write articles for submission to various sites around the web geared for online business writings, and you can also write blogs. Writing a blog and placing it on the web is easy, and free. Blogger.com, offers a free blog page that is easily accessible by anyone. You can easily outsource this task to a freelance writer who is experienced in SEO rich article writing. Each article would have a resource box at the end for readers to click the link, and find their way to your website; the more articles that are written and published the greater your chances of building a subscriber list.• Email and Newsletters
Email and newsletter communications with your clients and prospective clients using these methods to communicate with your subscribers can keep interest high in your online business, and the products or services you offer.• Affiliate Marketing Using PPC
Affiliate marketing using the (PPC) Pay per Click advertising method can be a way to create an online business quickly. The complications involved with this strategy will require research into the regulations and guidelines required by Google, or other online advertising venue. A marketing campaign that is developed outside the rules can result in a shut down of your ability to advertise with them permanently. Using the PPC method can make the most of your advertising budget, and drive traffic to your affiliate marketer online business site, and make a tidy profit.• Mentor
Finding someone who is already successful with their business, and is willing to share their strategy for success can help you dramatically. Asking questions are an indispensable part of learning, you should never be afraid to ask; no matter how lame you think the issue is. To find a mentor, you can explore the web, get a few books, or even go straight to a successful online business website, and generate a request for information on a message board.
Using these tips can help you drive traffic to your professionally designed website, and be the first steps you take on your way to developing a successful business.
Online Business Success Requires Professional Strategies
With the continuing proven success of online business websites, everyone wants to know how to make money online. Online business success depends on your ability to provide a working budget, personal energy and other skills, and sufficient time to work on your online business. Below we are going to examine a few strategies, and how to apply them to your goal of owning an online business.• Professional Website
There is an excessive amount of traffic coming from your Region.
Why Traveling Makes Us More Creative
Traveling is a wonderful hobby for millions of people across the globe. This also provides various advantages to people. Here’s why traveling is important. The ability to move around from one place to the other place is the main virtue one can ever have. All humans and animals have been secured with this ability, but humans are always a step forward. We humans being, have an extraordinary virtue of seeing, experiencing and learning from it, and this is exactly what makes our traveling more satisfying and enriching.A person who went on a long-distance journey returned home after some years. Till then, his family had either no or very little information regarding his situation and well-being. In some thrilling cases, a person would never return. In despite of all these barriers and difficulties, people traveled; not always because they needed to, but many times, also because they loved to. And why not? Traveling not only takes us to distant lands and explains us with various people, but this also removes the dullness of our lives.This is certainly very unlucky that some people feel traveling is a sheer waste of time, energy and money. Some also discovery traveling a very boring activity. However, a good majority of people across the world wish traveling, rather than staying inside the partial spaces of their homes. They love to travel to new places, meet new people, as well as see things that they would not find in their homelands. This is a very common attitude that has made tourism, one of the most money-making, commercial sectors in the world.People travel for different reasons. Some travel for work, others for fun, and some for finding mental peace. Though every person may have his/her own reason to go on a traveling, this is significant to note that traveling, in itself, has some inherent rewards. For one, for some days getting away from everyday routine is a pleasant change. This not only refreshes one’s body, but also mind and soul. Traveling to a distant place and doing fantastic things that are not thought of otherwise, can refresh a person, who then returns home, ready to take on new and more problematic challenges in life and work. This makes a person forget his worries, problems, preventions, and fears, albeit for some time. This offer him a chance to think wisely and usefully. Traveling also helps to heal; this can mend a broken heart.For many people, traveling is a way to achieve knowledge, and perhaps, a quest to find answers to their questions. For this, different people prefer to go to faraway and lonely places. For believers, this is a search for God and to gain higher knowledge; for others, this is a search for inner peace. They might or might not find what they are looking for, but such an experience certainly augments their lives.With people, with their culture, opinions and ideas also travel. When they go from one place to the other place, they are bound to meet people and share their thoughts and experiences with them. This is where the exchange of ideas takes place, and it definitely broadens a person’s outlook. This makes him/her think in a different way, from a different viewpoint. When we speak of cultural influences and exchange, food is one of the important factors. The food habits of people say a lot of things about them. It is very interesting to discover new and unknown ways and values; they really add spice to life.Traveling also makes lifelong memories. Whether a person travels solo or along with family and friends, the experience certainly gives him/her nice and thrilling stories, which he/she can share with people back home. A good long holiday with loved ones allows him/her to spend some quality time with them, which in turn, benefits to renew and restore relationships and makes very strong one-to-one and family bonds. In fact, traveling away from home and spending time with near and dear one(s) can bring the relationship an entirely new perspective and possibly, people may begin understanding each other in a good way.Addition to the above, traveling and getting away from our homes allows us to spend some time with our own selves. This makes us subtler and more tolerant towards others. This also makes it easier for us to meet and mingle with various kinds of people, and also explains us to live life to the fullest. Some of them travel from richer countries to poorer ones in pursuit of cheaper medication; some others travel from inferior countries to more developed ones to get the right medication. Medical tourism is today, one of the most essential parts of the travel and tourism sector and more than 50 countries have recognized it as a national industry.Personal health is what makes travel very important. People here, travel because they don’t have an option in most cases. One might wonder that if a person becomes medical aid only after he reaches his/her destination, what importance does traveling hold in this case? Well, traveling stimulates hope in a person. As a person travels and gets more and more faster to the destination, the hope of getting preserved and living a healthy as well as smooth life ahead goes on increasing. Thus, traveling makes a person more confident towards life. Traveling can therefore be a very enchanting and inspiring experience that may help recover the quality of your life. So, let the travel bug bite you so that you experience the excitement and the serenity of life at the same time, and arise a different person altogether.
Practical SEO Guide: Good Business Is the Foundation of Good SEO
What is Search Engine Optimization (SEO)?Search engine optimization (SEO) is a host of techniques, approaches and strategies to prepare your website to be found by major search engines. It is often compared to alchemy. Everyone knows what SEO experts do, but very few know how they do it. In fact, many SEO gurus fiercely disagree on the how part. Many tactics are available, but SEO is not a cheap endeavor, so one has to be careful when allocating valuable advertising dollars to it.First, you have to be clear on what you are trying to accomplish on the business side-focus, focus, focus!
Second, you have to reign in your zeal and prepare yourself for a grueling multi-month commitment that will require time, discipline, and money-be ready to spend time in the trenches.
Finally, you have to decide which tools and techniques will produce the best return on investment (ROI). If you spread your resources too thin, you will fail.If you’re looking to get yourself on the first page of Google’s search results immediately, this SEO guide isn’t for you. Don’t believe people who claim they can get you on the first page overnight in an ethical way. Even if you manage to cheat the system for a short time, Google’s wrath will land upon you swiftly and never go away. If you are serious about SEO, prepare yourself for the long haul and do it right-your patience and diligence will pay off. There is truly nothing complex about SEO. It rests on three principles:Valuable, relevant, unique, timely content will rank well on search engines.
The content must be machine-readable in order to be found.
SEO work takes time to produce results.Valuable ContentLet’s start with valuable content. Before you even mention the term “SEO,” ask yourself, what do I have to offer the world, why is it unique, and why would anybody want it? Do you have a digital strategy covering all your digital communications channels? Remember that you are competing with millions of other websites. Theoretically, you could spend lots of time on SEO and get to that coveted first page just to learn that customers don’t find your content, products, or services appealing. Conversely, don’t give up too fast. Many business owners that have great products and services never get through to their audiences because they don’t bother with SEO. The axiom “If you build it, they will come” stands eternally false on Google. The onus is on you, and if you don’t make a compelling case to Google, it will ignore you unless you are the only one in the universe offering that superhot product (e.g., you have a monopoly). So, produce content that stands out. Make sure you provide value. Sometimes it is a sacrifice. You may choose to share valuable information that your competitors may use against you. You may choose to take unique perspectives that may incite a debate or even draw criticism. Be yourself, be unique, and be interesting-you need to give in order to get. Provide more than a sales pitch. Do a cost-benefit analysis that includes the value of brand recognition. Remember that it takes time to see results, usually one to two months, sometimes longer. Your ultimate goal is to find your competitive niche and establish yourself as an authority in your area of expertise so you can influence buying patterns. People will remember you and come to you when the need arises. With respect to content, make sure everything you write is well structured, clean, and free of factual and grammatical errors. Write using plain language. There are multiple resources on this. It is generally recommended that website content be written at the grade six reading level. Sometimes it may not be possible for all industries, but do your best. Another helpful metric is the Flesch-Kincaid readability index. It’s recommended to keep it above 60 (you can use this free tool). Be friendly, approachable, and lighthearted. Use humor, but be careful not to offend and cross boundaries. Always keep your audience in mind. Make sure the most important information is at the top of the page so it can be easily located. Web users don’t read; they skim. Use headings and bulleted lists. Make information digestible, and avoid jargon, clichés, and colloquialisms as much as possible. Make sure that your navigation structure is task oriented and user friendly. Your user experience must always take people through the happy path.Help Google Find YouYou have valuable content, and now you’re ready to move on to the next step-showing search engines and humans how to find it. In this SEO guide, we focus on Google, since it has the biggest search market share, but this is equally applicable to other search engines. It’s probably safe to say that if you rank well on Google, you will rank well on other search engines. There are numerous SEO techniques, but we prefer to focus on a few that have been tested and proven in action:Organically maximize the number of inbound links from websites with high domain and page authority.
Make your pages machine-readable by applying consistent on-page optimization for your key pages.Building Inbound LinksThis technique causes lots of confusion and debate in SEO circles but for no valid reason. It’s very straightforward and is based on the following assumption-counting quality links pointing back to your website is the most effective way for Google to determine the value of your website. Backlinks are very much like Facebook “Likes”-a vote of social confidence. Google’s logic here is utterly simple-if reputable and relevant websites link to you, your content must be valuable. One important caveat here is that the link building must be organic. If you have a very rapid increase in backlinks over a short period of time, Google may perceive this as spam, even if your efforts are legitimate. Spread your efforts over a few months. There is nothing wrong with doing link exchanges with your industry peers. Just make sure you avoid link farms and spammy techniques.Spammy comments. Don’t post a comment on someone’s website just to add your link. Comment with a link only if what you have to say is relevant to the conversation and the link can be truly helpful to the audience.
Avoid link farms. These are sites purely created for link building purposes. Adding your website to relevant web directories and local listings is fine, but make sure you only work with reputable websites. Our benchmark is DA 50.Earned and Unearned LinksEarned links are the cream of the crop in the SEO world and will generate more SEO juice (ranking power) than any other medium. An earned link is simply a link created by a third party without your involvement or persuasion. Google has complex algorithms to figure out which links are earned. In our experience, high-quality earned links are challenging to get, but that’s the gold standard. The next best thing to earned links is high-quality unearned links, which are placed on web directories, articles, blog posts, and other shared media resources. It’s absolutely essential that the primary purpose of the backlinks you add to your posts is to provide supplementary content that helps readers delve deeper into your content and access various thematically related components. Link quality is very important in the process. Link quality is influenced by two factors:Reputation of the link host (domain)-the website where your link resides.
Link text (anchor) relevance.Google has its own proprietary method for determining the reputation of a domain. It uses a 1 to 10 scale to determine a website’s rank. We rely on the domain authority (DA) metric developed by Moz as it is more granular. It marks all websites on a 100-point, logarithmic scale (the higher you climb, the harder it gets). We use the Mozbar Chrome plugin to determine DA for our sites. The metric’s value can change over time, so make sure you check it right when you need it. With respect to SEO, we prefer not to place links on any website that has a domain authority below 50. We believe this is where cost and benefit intersect. This certainly poses some challenges and makes our SEO work more expensive; however, it gives our clients peace of mind and ensures their links bring in high-quality SEO juice (ranking power). In the SEO world, quality always trumps quantity. You will have to make your own determination on what you consider a reputable website, as this surely will affect your SEO costs, but we recommend that you not use anything with a DA below your own, and we recommend anything you use be at least above 25 (especially if you pay for it). Be very selective of where you post your links. If the host website has been penalized by Google for questionable SEO tactics, this may affect you. Another important consideration is the anchor composition. An anchor is a text link that links back to your web page. It is extremely important that the link text is in sync with the keyword and meta data on your landing page. That’s how Google determines link relevance. For example, a link named “all about hamsters” pointing to a web page about “disco music” will surely not rank well in organic search results.How do you get high-quality inbound links from reputable websites?Content marketingContent is truly king and even more so with the recent Google Hummingbird algorithm revolution. Google’s ingenuity became even more evident in the simplicity of the approach-provide valuable, engaging, timely content and you will rank well. Just a few years ago, Google could not afford the luxury of humanizing content analysis due to the lack of computing power, but with the advance of technology and the decrease in hardware prices, Google can now afford to analyze content deeper and build logical, intelligent connections between various web elements. Gone are the days of keyword stuffing. Content marketing is simply an ongoing effort to promote and syndicate your content via various publishing channels. Of course, the content-value and industry-relevance principles apply here more than ever. One way to promote your content is by publishing articles, blog posts, and news releases on relevant websites. Some are free, and some are paid. We have had great experience with PR Web, MyPRGenie, Social Media Today, and Ezine Articles, all of which have stellar DAs. If you manage to make it on these sites, the SEO-juice quality is truly supreme.WebsiteDomain Authority (May 2014)prweb.com94myprgenie.com65EzineArticles.com91hubpages.com88Another way to do this is via social media. This is more of a challenge because you will have to build a sizable following on multiple social media channels; however, it has huge marketing benefits well beyond just SEO. It is not clear how much SEO juice you will receive from social media though. Google has been shifting its emphasis to Google+, and now even that is in flux. We left social media out of this SEO guide because we believe it stands on its own and should not be used primarily as an SEO tool.Free and paid directoriesPlacing your listings on web directories should be used to help local clients find your business on the web, not to advance your SEO agenda. These directories are usually organized geographically, by sector and by theme. Make sure you list your business correctly. We prefer to work with relevant directories that have a DA above 50. With most quality directories, you may have to wait for months. There is a simple reason for this: competition. Everyone else wants to be there for free. Some directories provide the option to pay for an expedited review process. When we say the word “pay,” we don’t mean paying for placement; we mean paying for a quick review, which is usually two to three business days. Your listing still might be rejected after you pay. Avoid directories that guarantee your placement for a fee. We also highly recommend you focus on the directories specializing in your industry first, as Google will assign these links a higher value. Paid directories range anywhere from $25 to $300 per year. Most offer an annual and a permanent option, with the permanent option being significantly more expensive. Some offer placing several deep links in addition to your main domain. Here is the list of directories offering free and expedited (paid) listings, along with their respective DA scores:DirectoryDomain Authority (May 2014)dir.yahoo.com100dmoz.org94botw.org79joeant.com60jayde.com69ezilon.com66dirjournal.com60webworldindex.com56alivedirectory.com56avivadirectory.com63incrawler.com50hotvsnot.com80familyfriendlysites.com66abilogic.com56goguides.org55gimpsy.com53incrawler.com50jasminedirectory.com57On-page OptimizationSEO is not a science but rather a commitment to certain principles. It’s not the complexity of these principles that makes consistent SEO challenging but rather relentless discipline and a commitment to applying them. For one of our projects- a real estate website -just by properly optimizing key pages, we were able to see a 40% increase across key metrics month-to-month and a 14% increase in year-to-year visits, page views, and time on page. Our regional geometrics also improved by 24%. You should follow these principles relentlessly:1. Try to focus on one relevant keyword (phrase) per page. It must be unique on your website-don’t reuse the same keyword in several places.The keyword you choose for the page must be found in the following areas:Page title and meta title (some systems generate the meta title automatically based on the page title). Ensure your page title is always Heading 1.
Content (at least three times, with the first paragraph being the most important).
Meta description. The meta description should be well written and capture your audience’s attention-it will show up as a search-result snippet and help to convert casual browsers into visitors.
Image file name (it’s recommended you use at least one image).
Image alternative description. Just remember that the primary purpose of the ALT attribute is to describe the image to make it more accessible.2. Use internal links and links to relevant sources, but avoid too many. We consider three of each optimal per 500 words.3. Your copy should contain at least 300 words.4. The title should be limited to 70 characters.5. The meta description should be limited to 156 characters.6. The copy should be written in plain language-the Flesch Reading Ease score should be above 60 if possible.7. Use static URL.ConclusionThere are many more SEO techniques available, but we highlighted the ones we believe provide the best return on investment. Ultimately, you will have to decide for yourself what SEO work is manageable for you in the long run. Don’t turn SEO into your primary activity. Remember that your primary goal is to focus on what you do best-your business. Good business is the foundation of good SEO. Finally, we would be happy to take a look at your website and provide free SEO review and high level recommendations.
Taking An Online Health Insurance Quote
Medical bills are exorbitant and paying them without insurance is next to impossible for most people. Health insurance is a necessity in today’s time providing you health and financial security. Shopping for a good health insurance can be tiring and cumbersome if you look around physically. However, as you become aware of the costs, you might be discouraged. If you are looking for a comprehensive insurance cover within your budget, the best first step would be to take an online health insurance quote.You can save a huge amount if you purchase or take an online quote from the health insurance providers, with their service portals that are always ready. Underinsured and uninsured medical care can not only be financially taxing but can also spell disaster in a family. With online health insurance quotes that are available you can look for a scheme that is affordable and fulfills your requirements. Online health insurance quote may be the best way to find the cheapest rates available while getting them fast and easily online. The major advantage about online health insurance quote is that they are free and you can avail them for as many companies that you want. No one can foresee an illness and sudden medical emergencies can be aptly handled by health insurance.Medical care costs are rising each day and handling such health care emergencies without insurance can be financially destabilizing. Many people who did not take insurance for a rainy day have landed in debt due to improper health care management. Prescription drugs, hospital bills, maternity care and all these quickly add up to a huge amount of money that paying without insurance becomes impossible. Online health insurance quote is just a click away and will be able to save you thousands of dollars in the long run.You can find the best and cheapest health insurance in minutes through online quotes. They provide you with information on the latest insurance coverage that is available with the maximum discount that can be provided. Do not think that health insurance is out of your reach as there are many schemes out there that might seem tailor made for you. So, log on and click to safe guard your family from sudden medical emergencies for life.
How to Build Your Home Business Online
You can build your home business online where you can earn your lifetime income. The internet is generous with opportunities and resources you can explore to build your online business. Are you aware that you can build a one-page website right now and start making good money from it?Relevance of Building a WebsiteBuilding a website is crucial in making money online from home. The website is still the closest association you can have when you talk about internet business. You will notice that almost every business regardless of nature has put up their respective websites online.If you think, it is complicated to create your website from which you can build your home business online, wait until you learn about how to create a one-page website that delivers the goods. Yes, there is no need to create a multiple-page website that can be complicated; a single page website can already empower you to make money from your business online.Build Business Online with a Single Page WebsiteTo start building your online, all you need is to create your first single page website. There is a free eBook on the internet that shows you systematically the basics of how to create your very first website. Regardless of your technical skills, you can easily put up your website and start to make money from your home business online.Briefly, here are the simple steps to build your business online by creating a single page website:1. Find a legitimate affiliate marketing program where you can sign-up free. Choose the products or services you wish to promote as an affiliate marketer. Affiliate marketing is a business model friendly to beginners like you who wish to build a business online and make money.2. Create your landing page to promote the product or service you have chosen. A landing page is the page that your traffic sees as they click on your website’s link. A well conceptualized landing page can increase sales conversion.3. Give your site visitors something that is valuable and useful. This will help you build your list of subscribers crucial to make money from your business online. You will have a captive traffic when you offer them something they can hardly resist.4. Use automated tools, like an auto-responder software, to systematize your subscriber listing. Your auto-responder will automatically manage your mail list and reduce the time you need to spend when you do it manually. Time equates to money with online businesses.5. Promote your website to drive the necessary traffic to your business online. The free e-Book will show you several methods for beginners how to increase traffic to your website. From article marketing to list building, you will know the techniques in driving traffic to your site.You can find the details of all these steps on the free e-Book that shows you how to create your first website. The good news is that you do not have to pay for the valuable information you can get, as you can download the e-Book free. Beginners like you should take full advantage of opportunities such as this to build your home online.
Personal Loan and Its Different Advantages
A personal loan is an unsecured loan which is offered to a consumer for catering their various personal needs such as the renovation of a house, marriage, home appliances, buy vehicle amid others. This is offered after verifying one’s ability of paying especially the income source and also according to their credit history. A nominal processing fee will be charged and the sum as per a person’s paying ability will get credited to their account. In fact the loan payment is made via fixed installments which also includes interest and for fixed time periods. The icing on the cake is these days personal loans are a smart choice as one do not require going through a lot of formalities and tedious paperwork. Most of the financial institutions and banks offer personal loans today and the rate of interest is also quite reasonable.Discover the different benefits• Available easily- to get a personal loan is no longer a challenging affair. It is offered by almost all financial institutions and banks at a reasonable rate of interest. Compared to other loans it is convenient and easy to get• No middleman or agent involved- for availing a personal loan one will not require taking the help of an agent or a middleman. This will avoid unnecessary expenses and delays. A person can approach the financial institution or bank for the purpose directly• Unsecured loan- this is indeed an unsecured loan. Here no collateral security is needed for availing the loan. In fact, all that is needed is one’s ability of paying back the money.• Less processing time- because it is accessible devoid of any guarantee or security the processing time needed to get this is naturally less compared to other loans• All purpose loans- in this form of loan it is not compulsory for a person in specifying the reason for which they will be using the money.• Minimum paperwork- to get a loan will not need any asset verification or other forms of certificates and proofs which include ample paperwork as none of one’s property is mortgaged• Offers and schemes- different financial institutions and banks keep announcing offers and special schemes on personal loans, especially for the professionals such as architects, doctors, chartered accountants and the like• Amount and tenure- these loans generally are provided varying from Rs 15000 to Rs 20 lakhs differing from one bank to another. The repayment can be made through EMIsThe bottom line is, rather than borrowing money from a credit card it is always better to choose a personal loan as the rate of interest is comparatively lower. So reap its utmost benefits.
Auto Loans Are Available Even After Bankruptcy Court
Perhaps the most common loans to seek, and arguably the easiest to get approval for, are auto loans. But when bankruptcy has marred a financial reputation, the automobile is also one of the first items to be seized. This means an individual made legally bankrupt can be in need of a job, a home and a car all at the same time.With their new status, the chances of getting any kind of loan are seriously affected, but are not made impossible. Indeed, getting an auto loan after bankruptcy is not nearly as difficult as it might seem.Bankruptcy once had a stigma associated with it, but in recent years, the increase in cases that down to economic failures rather than any financial irresponsibility, means lenders now have a different attitude.That is not to say that there are no extra conditions that must be satisfied before getting loan. But a lender will approve a loan for automobiles, despite bankruptcy, if they identify extenuation circumstances.Also, by following these few steps, an applicant can increase the chances of successfully applying for the loan.Be Open and StraightThere is no point in trying to hide financial details, since everything is on record. Just like every type of loan, applicants seeking auto loans can be subject to a credit history check. Being less than truthful in an application or interview will only sabotage the application itself.The relationship been the applicant and the lender needs to be as close to perfect as possible, especially when seeking an auto loan after bankruptcy. There is going to be a natural suspicion over the reasons for the financial collapse, and a lack of honesty will not bode well.It is important to remember too that a good relationship will be a long lasting one, allowing for further loan applications to be made with a higher likelihood of success. After all, if a lender approves a loan for automobiles despite bankruptcy, what more will that lender approve when the credit rating has recovered.Limitations of ExpectationOf course, just because a lender has not dismissed an bankrupt applicant straight off does not make them a charity. There are standards to be met before any auto loan can be approved. For example, there must be proof of income to show that any new loan, even of a small one, can be repaid.Understand too that any auto loan after bankruptcy is going to have a much higher interest rate than any normal loan. This is not to be scrutinized though, as being trusted for a loan for automobiles despite bankruptcy is the break an applicant needs.First Step ForwardThe road to financial recovery may be long, but an auto loan from a lender willing take a leap of faith is the best start. In time, lower interest rates and higher loan limits will come.Getting any kind of loan, not just an auto loan, after bankruptcy is not easy. But with lenders that specialize in that market, there is always the opportunity to get on that road to recovery. These are generally online lenders, which means that lower interest rates are likely to be available.But be cautious about these companies, and check them out with the relative authorities, such as the Better Business Bureau. Advertising loans for automobiles despite bankruptcy is fine, but the small print is what matters and extra costs can sometimes prove to be exorbitant. Auto loans, even with bankruptcy a factor, should not be a punishment.
Case Study: How to Significantly Cut Drawdowns Using Market Internals
In 2014, I spent about 6 months in a row with this unique traders tool called Market Internals, exploring its possibilities every single day, searching for new and creative implementation ideas for my own automated trading systems (ATSs). With a real obsession with this concept, I finally found almost 40 new ideas (mostly my own proprietary ideas) on how to squeeze the most out of this great tool, and slowly started implementing many of them into my own trading – with great success.I truly believe that Market Internals can give a trader a small, unfair advantage – if thoroughly thought out and implemented well, especially in new, creative ways. Therefore, in this article, I would like to give you a very brief introduction into the Market Internals world, together with an example of one of my private Market Internals filters – to show you, how dramatic the impact of Market Internals deployment can be – in a favorable way.Introduction: What are Market Internals (MI)We all know how hard it is to find a new, viable trading edge. We are also aware that the scope of our possibilities is quite narrow: It doesn’t really matter what trading indicators or other tools of technical analysis we use – most of the time they all use the same source of data anyway. This data consists of Open, High, Low and Close values of the bars in our trading chart, and whatever trading indicator we use, we basically use only a slightly different interpretation of the same O-H-L-C values.So, if we really want to go a step further and implement a broader view for our trading decisions (trading entry/exit conditions), we have to start investigating outside of the O-H-L-C values. We can, for example, implement information like Volume or Open Interest to our trading entry/exit conditions, which is not a bad idea at all, and many of my ATSs use O-H-L-C values together with Volume effectively.However, we can still go a step further.We can do something that many traders have no idea they can even do: We can start making our trading (entry/exit) decisions based not only on the data coming from the underlying market but also on taking into consideration the market (its overall direction, quality, strength and overall “mood”) as a whole!Just imagine:Wouldn’t it be fantastic to know where the stock market as a whole is heading, before we enter a position in our emini S&P strategy?And that is exactly what Market Internals are about: The ability to read the market as a whole and effectively incorporate this much broader view into our trading decisions.Market Internals: A quick introductionSo what exactly are Market Internals? Where do they come from?It’s very simple: Market Internals are information about the overall stock market, provided by the stock exchanges (NYSE, AMEX), usually in the form of a standalone data feed.And this data feed instantly provides us with real-time information about the overall stock market situation.Using Market Internals we can immediately, in real-time, start receiving information like, for example:
How many stocks from the Dow Jones Index have just moved up and how many down?
Is the volume of all rising stocks from the Dow Jones index higher or lower than the volume of all falling ones?
How do ALL stocks move in the entire NYSE? Are most of them rising or falling?
How many stocks have a price that hasn’t changed?
What is the direction of the majority of the volume? Up or down?
Do the 30 stocks in the Dow Jones index correspond with the rest of the market, or does the Dow Jones index now live its own life?
As you can see, there is plenty of information that can be obtained through this standalone data feed about the stock market as a whole (and later on, to be used in our strategies).All this information can be split into several different categories, and every category has its own meaning and preferred method of implementation. However, because the space for this article is very limited, and the subject of Market Internals could give more than a dozen articles like this, I am going to focus only on one Market Internals category, one of my most favorite, the MI pair UVOL-DVOL.Market Internals: UVOL-DVOLThis category of MI simply consists of two separate data feeds provided from the exchange:$UVOL monitors the total volume of all rising stocks on the exchange.$DVOL monitors the total volume of all falling stocks on the exchange.By using these data feeds (often called MI indicators), we can monitor the volume on one side or the other, so we can get a better idea where the volume is moving to, i.e. which side is stronger. This is, of course, a very powerful view on the market that can provide us lots of important information (if we know how to use it).From a practical means, we usually add two different data symbols into our chart (data2 and data3) to start using UVOL-DVOL pair for our trading.Then we can start using these MI indicators as additional, or even leading filters (or as I usually call them – “Super Filters”) for our existing systems – with the goal to improve them significantly.Let’s have a look at such a condition in practice. I am going to reveal one of my proprietary UVOL-DVOL MI conditions, which I use as a filter for many of my breakout index or stock strategies (MI can only be implemented on indexes or stocks of futures indexes).UVOL-DVOL as a filter for significant improvementTo demonstrate the effect that Market Internals can have, I have decided to use the most simple condition that I could think of – a primitive breakout condition high=highest(h,N1). I haven’t done any optimization of the N1 parameter, nor have slippage and commission been included in the results shown below – the purpose of this article is not to present a functional breakout trading system but to demonstrate that Market Internals can be applied to even the most basic systems and get immediate, and very often dramatic, improvements. For the N1 parameter, I have used the first number that came to my mind, number 20.Here is the basic code that I will use to demonstrate the impact of the Market Internals “Super Filter”. The test will be completed on the EMD.D market, 15 minute timeframe, from 3/22/2006 – 3/21/2016:If high = highest(h,20) then buy this bar at close;setstoploss(600);setexitonclose;Here are the results:Net Profit: $79,440Profit factor: 1.17Avg. Trade: $36.52Max Drawdown (close to close): $12,650Net Profit / Max DD: 6.28Number of trades: 2175Now let’s move to the implementation of a very simple Market Internals condition that is based on the following rules:
Calculate the difference between UVOL and DVOL,
Calculate a 30 bar simple moving average of this difference,
If the UVOL-DVOL difference is above the moving average of the UVOL-DVOL difference AND high = highest(h,20), a Long position is opened,
The position is closed by the end of the day or when the 600 USD stop-loss is hit.
In a moment, I will show you the outcome of the application of this code to the original system. But first, I need to mention that I have used several small add-ons, like for example, taking into consideration the zero line of the UVOL-DVOL difference to cancel the “Super Filter” in certain situations – all of this is included in the code and the workspace that you can download at the end of this article. Yet the basic idea is exactly as I have described it – to work with the UVOL-DVOL difference and with the moving average of this difference.Let’s take a look at the results after application of the Market Internals “Super filter”. First, the performance report:Net Profit: $76,000Profit factor: 1.38Avg. Trade: $63.81Max Drawdown (close to close): $7,790Net Profit / Max DD: 9.76Number of trades: 1191And finally, the comparison table showing the results before and after the application of the Market Internals based “Super Filter”.Metric / Before MI / After MI / ImprovementNet Profit / 79,440 / 76,000 / -4.3%Profit Factor / 1.17 / 1.38 / +17.9%Avg. Trade / 36.52 / 63.81 / +74.7%Max DD (C-to-C) / 12,650 / 7,790 / -36.8%Net Profit Max DD / 6.28 / 9.76 / +55.4%Trades / 2175 / 1191 / -45.2%I believe that the numbers speak for themselves – maximum drawdown has improved by almost 40% (36.8%), Average trade by +74.8%, and the Net Profit to Maximum DD ratio by +55.4%. All really great improvements, and I see similar improvements of Market Internals very often.ConclusionI have been using Market Internals for my own trading since 2014.Here is what I have generally achieved by implementing them into my own trading strategies:
Reduce max. Drawdown
Improve Avg. Trade
Improve Net Profit / Max DD ratio
Smoother equity curve
Overall improvement of portfolio performance
Getting additional psychological confidence by knowing that I only trade in highly favorable market conditions.
I was really surprised that Market Internals are used by so few traders, yet, when I present them the Market Internals possibilities, they usually get quite excited and implement it to their own trading systems with instant positive impact.This is exactly the reason why I like them and encourage all traders to investigate them further.
Residential Vs Commercial Property Investments
Before purchasing a new investment property, you should always consider the differences between residential and commercial real estate investments. Depending on your financial means, expectations and investment plan, you will have to decide which one can be more profitable for you. Most people will invest in residential properties, as this seems to be a safer endeavour requiring less money, however, if you have the means, commercial properties can be highly profitable. You should also consider that while traditional residential property investments might not have very high returns on your investment, repossessed or foreclosed properties, can bring you a net yield of up to 12-15%.Property Types for Residential and Commercial InvestmentsHouses of four units or less, to rent to private tenants are usually considered residential properties. You can invest in buy-to-let residential properties, which means that you’ll get the rental yields every month, or purchase the property solely for future resale. Residential property investments vary from more traditional buy-to-let investments somewhere near your own home to investments in overseas real estate, below market value properties or foreclosed houses. Commercial properties are for businesses, and include a variety of properties, from apartment blocks and office buildings to hotels, restaurants, warehouses and industrial buildings, just to name a few. Managing a relatively small residential property is obviously simpler than managing commercial properties, where you will often need a professional real estate management company to assist you.Researching the Real Estate MarketWhile you will always need some knowledge of the property market and current conditions to make a successful investment, residential properties are simpler to research and value. It is relatively easy to compare different residential properties, their prices and investment potential in a given area. Commercial properties, however, are often unique and require specialised knowledge to value accurately and to establish an investment plan.Risks & YieldsResidential properties are generally regarded as low-risk investments. They also tend to cost much less than commercial properties and will thus be more affordable, especially if you’ve just started building up your investment portfolio. The relatively low risks and the low purchase price, however will also mean that your profits are lower, and your return on investment will come mainly from increases in capital value.Commercial properties, on the other hand have higher risks, but also higher potential returns. The significantly higher prices will also mean, that for personal investors, only collective investment schemes are affordable for larger commercial property investments. The relative unpredictability of the commercial property market will also bring more risks. While residential property prices generally double every 10 years, this is not true for commercial properties. You can expect a net yield of up to 7-10% on commercial properties, which is higher than the net yield from traditional residential property investments, and a large part of your return on investment will be in the form of rental income.Rental PropertiesA successful investment plan for both commercial and residential properties is to rent them out. Residential leases tend to be much shorter, usually around one year, and private tenants are often considered less reliable than businesses. Landlords will be liable to pay for repairs, which might incur unexpected additional costs. Commercial properties, on the other hand, are leased out for a longer time, 5-10 years is not uncommon, and the yearly increase in rental yields will be more significant. Businesses are also often considered to be more reliable tenants and commercial tenants are generally required to pay for repairs. You should also consider that while commercial properties can bring you a secure and high rental income, it is also much more difficult to find commercial tenants.Exit Strategy for Residential and Commercial PropertiesOne investment plan is to rent out your property as detailed above. However, property flipping, or future resale can also be a profitable strategy with both kinds of investments. Residential property can be sold quite simply to another investor or somebody who intends to occupy the house, and as long as the property is in a good condition and in a well-chosen location, you should generally be able to sell it at a significantly higher price than its original purchase value. Commercial properties can bring huge profits, but the process of resale is more complicated. The property must be sold to another investor or investor group, and it should have a successful and profitable record, to be attractive to the buyer for investment purposes.