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Online Marketing – Page 6 – Reginald Chan

Category: Online Marketing

  • Quick Loans – How to Be a Responsible Borrower

    Quick Loans – How to Be a Responsible Borrower

    Borrowing money can be a tricky business. When borrowing money, it is important to know the nature of how the loaning business works, including when to engage with it, or when to avoid it. By understanding the loaning industry, you can make more informed decisions about your financial affairs.

    Loans defined

    A loan is money, property, or other material goods given to another party in exchange for future repayment of the loan value or principal amount, along with interest or finance charges. A loan may be for a specific, one-time amount or can be available as an open-ended line of credit up to a specified limit or ceiling amount.

    Corporations, financial institutions and the government typically issue loans. So why do these institutions let people borrow money? Loans allow for growth in the overall money supply in an economy and open up competition by lending to new businesses. In fact, Nimble quick loans online help by making finance faster as they make borrowing money and having access to Cash Loans easy for everyone. In addition, Loans also help existing companies expand their operations. The interest and fees from loans are a primary source of revenue for many banks, as well as some retailers through the use of credit facilities and credit cards. They can also take the form of bonds and certificates of deposit.

    Related: Looking for the best credit union home loans? Check this out.

    Loan Qualifications

    Getting a loan means you have to be qualified for the loanable amount. Here are a couple of items you have to check for you to be qualified.

    • Income – Your income is your ticket to be able to pay for your loans, which is the reason why nearly all lenders will require evidence for a steady source of income. This is to make sure that you, as the borrower, will have the ability to pay your debt regularly and in a timely manner.
    • Employment – There are some lenders, which will require evidence for proof of employment, while some lenders will just require a national or government ID. Nonetheless, employment has a positive impact to increase your chances to be qualified for a loan. In addition, some lenders would even go deeper and ask your job title, especially if the loan amount is pretty significant. They do this for the following reasons:
    • Some lenders cross-reference your job title with your salary to as a protection against fraud;
    • Some lenders use your job title for interest rates. For example, in the same loan amount that a doctor and an admin worker would like to borrow, the doctor may have higher interest rates.
    • Credit History – Making sure that your credit history is excellent and flawless is with a solid history is a crucial factor for being qualified for a loan. You have to make sure that you pay your credit card ahead of time and that there is no missed payment or loan defaults because this is the easiest way for money lenders to track your financial history and capability, and make decisions whether you qualify for a loan.
    • Assets, Debts, and Expenses – In your loan application, you will be asked to list down all your assets, debts, and expenses. Lenders would then have the process to use your debt and income to calculate the loan amount you are qualified for. More income increases your chances for to qualify for a loan, while debts such as credit cards, store cards, and other loans can hinder your application. Expenses are always estimated, but lenders generally have a good idea when you’re under- or overestimating based on the data of other customers.

    How do Loans work?

    The terms of a loan are agreed to by each party in the transaction before any money or property changes are disbursed. If the lender requires collateral, this requirement will be outlined in the loan documents. Most loans also have provisions regarding the maximum amount of interest, as well as other covenants such as the length of time before repayment is required.

    What are refinance title loans? Refinancing means replacing a current title loan debt with another to get different terms. You can either refinance with an existing title loan lender or find a new lender with better terms.

    Be a responsible borrower!

    The loaning industry is based upon the principle of integrity. If you find yourself in the situation where you have loaned money, you should be able to follow the guidelines below to become a responsible borrower:

    Build a solid foundation

    Establishing rapport is essential in any relationship, including a loaning relationship. By networking and establishing a good working relationship with your vendors allow you to build your loaning credibility.  You may even be able to avoid taking out loans entirely if you can secure better terms and negotiate repayment with each vendor.

    Use a loan calculator

    Being financially-savvy will also help you understand how much money you need, including your paying capacity, as well as the term or duration of your loan amount. Loan calculators can help you out so you will be aware of what amount of money can you borrow and pay based on your financial plan.

    Know your debt-to-income ratio

    Your debt-to-income ratio is a comparison of your annual profit to your annual debt. You are in good shape if your ratio is 1.0 or greater. This means that the better the ratio, the higher the chances of qualifying for a loan. The debt-to-income ratio is also a good indicator that if anything below 1.0 means that you are spreading your income too thin and that you should reconsider taking any additional debts.

    Use a financial cushion

    Before you take a loan, make sure that you have at least six (6) months’ worth of savings so that if anything goes financially wrong, you still have the capability to pay for your debts.

    Draft (and stick) to your financial plan

    Making a financial plan to make sure that your income is allotted to the correct priorities (including paying your debts) is one of the most salient qualities of being a good borrower. One money management trick is the jar model which can help you manage your expenses.

    Borrow only when you need to

    As much as possible, only borrow money when you are in a dire situation. Having no loans is better than being swamped in debt. You have to understand that sometimes, loans are not the best answer to your financial problems. You can check other solutions such as increasing your profit margin or reducing your expenditures.

    Pay on time

    Open and honest communication is key to being a good borrower. Make sure that you pay your debts in a timely manner and as scheduled. If for some reason, you cannot pay on time, be honest and call your lender.

    Photo of Person Holding Pen

    Being a responsible borrower ensures you to build your credibility not just in the financial aspect but by being a person with integrity. The bottom line is to only borrow within your paying capacity and be timely in paying your debt.

  • Kajabi Review: How Kajabi Enables You to Market Your Online Course

    Kajabi Review: How Kajabi Enables You to Market Your Online Course

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    Are you planning to create an online course and sell it? Courses are great avenues where you can share the things you are passionate about and teach others how to do something you’re skilled at — all while making money at the same time.

    If you want your online course to sell like hotcakes, however, you need to have a learning management system (LMS) that won’t just help you with “housing your courses,” but that can help you market your elearning business effectively, as well.

    Given how noisy the internet has become, you’ll never be able to keep your online course business afloat if you don’t market it effectively — let alone keep other aspects of your business thriving.

    That’s where LMS platforms like Kajabi come in handy.

    In this review, we’ll look into the robust features that this leading platform offers in the areas of design and marketing — including marketing automation — that you can use to advertise and convert more sales for your online courses.

    Are you ready? Let’s begin.

    Website Design and Business Analytics

    Website design is crucial for marketing your online courses. Without an attractive design that exudes trust and inspires action, no one will get immersed in your content, no one will register as leads and no one will purchase tuition subscriptions. 

    Fortunately, Kajabi has a collection of pre-made themes and layouts to choose from. Kajabi also gives you control over your website appearance from your library to your store, sales and thank-you pages, and more.

    You can personalize various aspects of your page such as visibility, branding, and typography, as you can see below:

    Custom Made Kajabi Themes

    Kajabi lets you take charge over several elements of your pages like your header, footer, images, measurements, and language, etc.

    You can even alter your URLs, descriptions, and titles, so they’re SEO-friendly. In this way, your website attracts prospects visually, reflects your branding, and is optimized for search rankings. These are all essential for marketing toward better conversions and sales.

    Aside from the ability to design, you can also assess your website’s performance. Kajabi provides analytics on your sales and net income for the past 30 days, all-time net revenue, affiliate commissions and purchases, opt-ins, and page views.

    With these figures, you can come up with better action steps to improve your site.

    Automated Nurture Pipelines

    One of the unique and advanced solutions Kajabi offers to help you market your courses effectively is their Pipelines feature.

    The feature allows you to create your marketing funnel and visualize your customer journey from marketing to sales. It also allows you to automate your multi-stage marketing journeys with triggers that span multiple channels and actions, such as email clicks, landing page engagement, video views and course registrations.

    Marketing automation is crucial since it helps increase your efficiency and effectiveness in promoting your courses. Kajabi’s top competitors – including Thinkific, Podia and Teachable – don’t offer anything nearly this powerful or easy when it comes to marketing features.

    Here’s how a sample pipeline looks:

    Kajabi Pipeline

    Kajabi has template pipelines that you can tweak or new pipelines for you to build from scratch. These are called Blueprints.

    For each phase in your pipeline, you can add automations and modify their content, design, and conditions.

    Triggered Email Campaigns

    The Email Campaigns feature allows you to plan, develop, and automate your email marketing series.

    You can create email campaigns for your sales, freebies, influencers, coaching and others. As with Pipelines, Kajabi’s email sequence creator comes with templates you can use, or you can opt to make one from scratch.

    As an example, I clicked on the Sales Page Opt-in-Value-Offer (OVO) email sequence template. Here’s how it looks like:

    Sales Page OVO Email Sequence

    You can add triggers for the email sequence to begin, as well as actions or automations.

    Kajabi then gives you free reign to customize your message, subject line, and the day your email should be sent. Finally, you can view analytics for every email in your sequence. Kajabi reports to you the percentages of opens, sends, and clicks.

    One-Off and Recurring Events

    Using Kajabi, you can set up Events to support your marketing initiatives. Use it for your course and product launches, additional webinars, and others.

    To set up an event, go to your dashboard, click Marketing > Events > New event.

    When you’ve initially created an event, Kajabi will lead you to a page that looks like this:

    Launching Online Course

    In this page, you can further customize various aspects of your event.

    Specify the title, date and time, and time zone. You can also opt to repeat your event from 15 minutes to a whole year.

    If you want to send emails, you can write and format your message accordingly. You can also automate and define the conditions for sending emails to your target recipients. Clicking on Registrations shows you the users who have signed up for your event.

    Forms for Capturing Leads and Gathering Information

    The Forms feature of Kajabi allows you to produce, automate, and insert forms into your email sequences, offers, and events.Forms are essential when you want to segment your enrollees, gather emails for your pipelines and email campaigns, and more.

    Let me show you how creating a form on Kajabi looks:

    You can edit your form title and add more fields.

    You can even decide which actions should happen after a subscriber submits his form, such as sending him to a thank-you page, and others.

    You can also automate and define the conditions for sending out your forms.

    Empowering Affiliates to Spread the Word

    Through the platform, you can also onboard affiliate users to help market and sell your course.

    Your affiliate marketer is assigned a unique link that points towards your web pages such as your landing page, checkout page, etc. Your affiliate then receives a commission for every person clicking on that share link and completing the purchase on your website.

    An affiliate program is helpful to widen your market reach, boost your traffic, and produce sales fast.

    Kajabi Affiliate

    Ideally, you should choose affiliate users with significant clout and large followings.

    Affiliates can also bolster your reputation as a reliable instructor and convince their audience to enroll in your course. After all, consumers tend to believe a trusted third-party opinion when deciding to buy a product.

    Kajabi lets you import your affiliates and manage different areas of your affiliate program. You can view and modify your affiliates’ profiles, transactions, percentage allocation for their commission, share links, and others.

    Kajabi also presents figures on the clicks, form submissions or opt-ins, conversions or purchases, and conversion rates. Knowing these figures allows you to assess the effectiveness of your affiliate program.

    Recap

    Kajabi has a compelling set of features that enable you to promote your online course effectively. We discussed these features and how you can use them for marketing your product:

    • Web Design attracts your prospects to explore your learning website and courses.
    • Pipelines let you visualize and automate your customer journey from marketing to purchase.
    • Email campaigns allow you to create and automate delivering your email sequences.
    • Events help you set up supplementary marketing activities like product launches.
    • Forms allow you to automate collecting your prospects’ email addresses.
    • Affiliates let you manage your affiliate program for a wider promotional and sales reach.

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    About Me

    Young at heart and a deep passion for entrepreneurial success, Reginald is devoted to share everything he had learned about online marketing with the public. Follow him for more awesome postings.


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  • How Much Do Freelance Writers Make Per Hour?

    How Much Do Freelance Writers Make Per Hour?

    Written content has become an integral part of an online presence, and this has created a boon for freelance writers. If you are into this, you might be wondering how much do freelance writers make per hour.

    The Pay Survey 2019 from Make a Living Writing is looking to answer this question with the help of 1,400+ participating freelance writers. And the answer is really shocking.

    “Up to 30% of freelance writers make $10 per hour during their first year.”

    Results from research done recently

    Here’s what you need to know.

    The amount of money you earn from freelancing varies heavily in your experience. Therefore, a seasoned freelance writer may earn up to $100 per hour compared to a beginner who might just earn $10 per hour.

    Scroll below to find an interesting infographic that talks about freelance writers who make $70 to $100 an hour.

    How much can you make as a freelance writer (right now)?

    If you are a freelance writer with little or no experience, this is how much you can probably earn:

    • Number of articles: 1 article with 1,000 words
    • Time needed for completion: 2 hours
    • Fee per article: $10 per 1,000 words
    • Fee per hour: $10 / 2 = $5 per hour

    If you are a freelance writer with some level of experience, this is how much you can probably earn:

    • Number of articles: 1 article with 1,000 words
    • Time needed for completion: 1 hours
    • Fee per article: $20 per 1,000 words
    • Fee per hour: $20 per hour

    If you are a freelance writer with experience, this is how much you can probably earn:

    • Number of articles: 1 article with 1,000 words
    • Time needed for completion: Under 1 hours
    • Fee per article: $30 per 1,000 words
    • Fee per hour: More than $30 per hour

    Important note: The above is based on a simple content writing job. There are many high and low paying freelance writing jobs that you can bid on. Therefore, focus on where your strength is—and you will be able to make a decent living through freelancing.

    “Freelancing writing is not a freelance work that can replace your day job. You need several freelancing jobs to create multiple streams of income.”

    – Reginald Chan –

    Discover the ONE method that made me thousands of dollars each month

    Freelancing is a great source of income but what is better than freelancing? For a limited time only, I’m sharing the ONE proven method that help me earn at least $1,000 a month (on automation) with just a single website. Click on the link below to learn more. It’s 100% free for a limited time only.

    facts about freelance writer

    Credits: MakeALivingWriting.com