Bert Tassoni List Building Blog

Archive for January, 2012

Ever hoped to achieve financial freedom and get out of the rate race and retire early?  Ever wanted to travel the world? This is a common goal that many desire, but few will ever accomplish.  How would you provide for yourself anyways? No matter how hard you might try, the “job” always seems to pull you back into its grasps, right?   Does financial freedom always seem like an unattainable dream?  Is there a way to change things around and not have to trade your personal work for money anymore?

The key to genuine financial freedom is to increase your income and minimize your expenses.  This may not be as formidable as you might think.  All it takes is some foresight, some desire, some planning, and a few tips.

1) Live Frugally

Live within your means… without chasing after useless things that will just end up in a yard sale.  Prepare your own meals instead of regularly eating out.  You will be amazed at how much money you will have conserved.  Financial freedom is predicated upon avoiding excessive consumptions.

2) Reduce Your Expenses

Be aware of your cash outflow.  Track your expenses and compare them to a pre thought out “financial freedom” budget.  You must commit to managing your common expenses if retiring early is your objective.  Do you actually need the most expensive option for cable?  Do you really need yet another pair of shoes?

3) Get Out of Debt

When you reduce your regular expenses, you will free up some financial resources for other things. Consumer debt is slavery.  Financial freedom involves liberation from consumer debt.  Increase the payment on your credit cards with your extra money.   Start with the credit card with the highest interest rate.  This will quickly reduce your debt service, and it is akin to earning your credit card’s interest rate on your own money, since you no longer have to pay them that interest payment.

4) Save For Your Retirement

Once you begin repaying your highest interest rate credit cards, there will be an even bigger increase in your excess monthly cash flow.  Start putting that money into investments that can generate even more excess income.  It is most helpful to find investments that are scalable, so that you can add more funds to them at any time, and have your next dollar earn the same return as the previous dollar.  You achieve financial freedom when your passive income exceeds your living expenses.  Make money your slave, don’t be a slave to money.

5) Invest In Your Retirement

Scour the earth for investments where you can taken risk out of the equation soon, while making a heafty return.  Certain managed investment accounts can accomplish this.  These are game changing financial freedom vehicles.  The main risk to manage is risk of loss of investment principle.  When you’ve removed your original investment principal from the investment, you’ve effectively taken that risk out of the equation and your money in that account is now growing for you essentially risk free.

6) Have a Goal For Your Retirement Date

What the mind can conceive and believe, it can achieve.   Your key financial levers for getting there are 1) the amount of investment capital you are working with and 2) the return on your investment.  When planning your financial freedom, start at the end and work backwards, to calculate how much return you think you’ll need to get, and how much money you’ll need to start with.  Can you get only 3% return or can you get a 30% return? Some currency trading strategies can perform at these higher levels.  Or perhaps, can you leverage $100k of other people’s money, or can you only work with your own savings?  Once you determine those two things, you can then start looking for ways to get access to that amount of capital and generate that target rate of return.

7) Control Your Retirement Expenses

If you have your house and cars completely paid off, you might not actually need all that much cash flow in order to retire early.  This is especially true if you retire in a place like Baja Mexico.  You can live very well there, on a meager budget.  The more excess cash flow you’ve been able to put in place, the more places you can live, for whatever length of time you choose.  This is financial freedom.  By adhering to the above financial freedom plan you will be amazed at how much you passive income you can actually bring into play.

By adhering to to the above financial freedom plan, you will discover a reduction in your living expenses and an increase in your monthly excess income.   Then use that extra cash to quickly bring down your debt expenses.  Always save an amount for investing. Plan your retirement goals by beginning with the end in mind.  Stick to living within your means and financial freedom will become your reality.

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I seem to notice that SEO (Search Engine Optimization consultants) get plenty of push back from web designers, web developers and even copywriters whenever they collaborate on a project. And to a large extent, I understand why this disconnect usually occurs, which usually starts at the beginning stages of the design process. It usually happens like this: the designer gets excited about laying out the creative elements of a website , the developer wants to return to his cave so he can diligently code on the back-end, and the copywriter retreats to somewhere peaceful and serene to write immaculate content. Enter…the wet blanket SEO who serves as an annoying reminder that no matter how awesome the design, functionality and copy of a website is, the website is nothing unless it has keywords, keywords, keywords and more keywords so it can be indexed and ranked by search engines A, B, C and D.

Fortunately, it doesn’t have to be a zero-sum situation for all parties. With proper planning, optimizations can be implemented to help a site rank high in the search results without compromising the aesthetics and functionality of the site. Below are a few important SEO concerns and pointers to be aware of before the design process begins:

1.Limit Flash

Flash is amazing for adding a unique and fun experiene for users. Unfortunately, search engines aren’t so good at interpreting Flash elements as they are with HTML. And although Google recently announced that, in cooperation with Adobe, they have improved their ability to handle indexing of Flash-based content, there is a long way to go before they can fully intgerpret it. For a searchable website, you still need to depend on your HTML and plain text. Utilize keyword specific title tags, alt tags and header tags.
Additionally, Flash still has security issues that make excessive use of it a real disadvantage.

2.Ditto JavaScript

Just as the web crawlers cannot read Flash, they cannot access JavaScript or any other scripting language very well either. Make every effort to assure that your content is laid out in a logical manner for easy navigation by the user. The general rule of thumb is: what’s good for users is good for the search engines. Not only is text generated by JavaScript hidden from the search engines, it is also unavailable to visually impaired users. Well planned CSS and tags in your HTML can achieve complex layouts and still be visible to all.

3.Plan Your Title Tags

Your title tags are a key element in your page design. It’s not just for the search engines, but also for your visitors. It’s usually the first line of text in your listing on the search engine results page (SERP). It should be limited to 65 characters. Anything longer than that might not be shown by Google. Because of this, it should include your most important keywords, without duplication of terms, but still be readable by your visitors. Your title tag also shows on the top bar of most browsers while your users are on the page. If they bookmark the page, the title tag will usually be what shows in their list.

A good practice is to wait until the page is finished to choose the title. This will enable you to tie the keywords into your content instead of trying to plan the text of the page around two or three keywords.

4.Keep Your URLs Readable

Long, ugly URLs are scattered everywhere on the Internet. Some of the biggest, professionally built websites are the biggest offenders of this best practice. If all anyone ever did was click it, the content of the URL wouldn’t matter much, but they need to be written down, emailed and shared on social networking websites. A good URL describes the content so that both the search bots and visitors can relate it to your page content. It should also be as short as possible.

Brevity makes it easier to paste, tell someone about it over the phone or write on sticky note. So stay away from abbreviations or long strings of numbers and symbols; use descriptive keywords as much as possible; and choose a format and keep it consistent throughout your website. It’s better not to use any uppercase letters. People have become accustomed to using lowercase on the web. Capitals can interfere with your website being found.

5.Plan Ahead

Advance planning of your design that includes SEO factors in the process should make your website efficient as well as beautiful. Some important points to keep in mind are:
Page load times are an important ranking factor. This just goes back to the rule of thumb – a quicker page load time is optimal for the user experience and improves rankings.
Keep mobile visitors in mind. More and more users are turning to their phones to view websites, so test your website on mobile platforms as well as traditional screens. Remember that many smartphones can’t see Flash (iPhone) or JavaScript at all. In that case, you should make sure that you create a mobile version of your website.

Test, test, then test again. You should make a strong effort to test all aspects of your website on every possible operating system and browser platform, including mobile apps. Validate all your code and click through all of your order processes before going live and fix any bugs before publishing to the world. W3C offers free validators for nearly every type of code or script. The last thing you want is for an incomplete sale due to a faulty order process.

Don’t try to game the search engines. If the search engines determine that you’re utilizing “Black Hat SEO” tactics such as keyword stuffing. For example, do not have hidden copy that’s the same color of your website’s background. You could get penalized in the search engine result pages or even have your website banned altogether. Use keywords where they make sense. Wrap your images and flash content with textual explanations of what they contain. These things also help disabled users to navigate your content.

In the end, there are hundreds of SEO tactics out there and new ones developing all the time as the search engines modify their algorithm. However, if you take time to properly plan for these aforementioned optimizations before everyone gets too far into their responsibilities, you should most likely experience postive search result rankings without hurting the overall look and feel of your web design masterpiece.

Read More at Graphic Design Glasgow

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