Ways to Shorten Your Bond

A mortgage bond is a long-term commitment that can span between 20 – 30 years. Some home-owners might want to make changes to their future plans which would require an earlier finalization of payment on their mortgage bond.

 

This can be done in a number of ways, all of which can lower the repayment term significantly if you have the money to do so.

Larger Deposit

This is by far the easiest way to shorten your repayment duration. By increasing the size of your deposit, you in turn lessen the total amount owing and depending on the amount you are willing to pay on your monthly repayments, you can significantly shorten the total repayment period.

Increase Monthly Repayments

This can be done by renegotiating the repayment duration of your mortgage bond with the financial institution that is handling your home loan. By shortening the duration of your repayments, your monthly repayments will be recalculated at a higher rate.

Supplementing Monthly Repayments

If you find that you have more net surplus income than expected (e.g. certain regular payments fall away or you close an account), you could use this extra cash to supplement your monthly repayments, potentially shaving off years on your repayment period. Using a bond calculator tool can be useful in calculating your net surplus income, allowing you to make a more informed decision.

Residual

A Balloon Payment is another way in which you could secure a home loan with a shorter repayment period. Instead of paying the money upfront, as with a deposit, you will be expected to fulfil repayment on the amount owing once your monthly’s have been completed.

Refinance at a Lower Rate

If your home loan was setup initially with a fixed interest plan and the market has improved, you can refinance your home at the improved interest rate, but still pay the same rate as before. Not only will you save money in the long-term, but you will also be afforded the opportunity to shorten your repayment period by months or years.

 

Tips from the experts to improve the standard of your Instagram Photos

Instagram interview series provide eight easy tricks that can help you transform the photos you create using Instagram. Adopting these expert tips will take your Instagram feed to an expert level.

The first tip that can improve the details captured by the camera is adding an extra lens to your iPhone. This can be achieved by using the “Olloclip” (a snap on lens that includes macro, wide angle and fisheye) or using the Photojojo which is a magnetic lens. By using this lens you get an affordable way to make your mobile photos unique. Adding an extra lens enables you to capture the little details on an object. This is advised by @moniqua who produces some stunning shots with this technique.
Continue reading Tips from the experts to improve the standard of your Instagram Photos

What is Search Retargeting?

Firstly, Advertisers need to add a tracking code on the landing page and confirmation page of their website. Next, let’s say a person searches for “camera” on Google, and they click on your Google Ad, and are taken to your website. Once this happens, the user’s internet browser is instantly “cookied” (tagged). Then, after the user leaves you site and navigates to any other website, they are greeted with YOUR display add AGAIN!

Search retargeting/Search remarketing marries the best of online display advertising and search engine marketing. It presents online marketers with the accuracy and efficacy of search and the reach and branding power of display advertising.

Search retargeting is a type of behavioural advertising method that targets an audience based on previous searches they performed on numerous search engines like Bing, Yahoo or Google.
Whilst search engine marketing is a method of placing online advertisements in the results of search engine results pages (S.E.R.P.), search retargeting attempts to increase the interaction with the SAME SEARCHERS when they move away from the SERP’s to other websites.

Using normal paid search campaigns – you may only see 2-5% click-through rate, and miss the users who are not clicking on your ads but clicking on the competition. In other words, it provides online marketers with an additional chance to create awareness with those searchers who originally searched on their targeted keyword-terms, but missed the click due to competition.

Search retargeting offers online marketers many benefits, including reach, control, and transparency. Furthermore, for many terms and verticals – search retargeting also offers the benefit of significant cost savings.

How to get started: Begin with a broad list of keywords, and include “high volume” keywords which might convert poorly on search. Search retargeting lets you to see how EACH keyword performs, so you need to pay close attention to what keywords are converting well and which ones are simply costing you impressions.

Once you start to see some traffic, optimize the converting individual keyword bids and other campaign settings for even better traffic volumes. The initial CostPerClick (CPC) for a campaign can be drastically improved from its original cost. The aforementioned is done by by optimizing the campaign against the keywords used, the websites on which the banners are displayed, the time of day, and various other factors.

It is imperative to keep in mind that your ads are now being displayed to your target customer. So they may click on your ad and not convert immediately, but search for your company later when doing further research. Search retargeting may boost lead generation in your organic and paid search efforts. You will also get a brand lift, and your company will appear larger than it is.  A consumer may think that your company is everywhere, when really you are just retargeting them. (Mu-ha-ha-ha!!!)

Think of Search Re-Targeting as a bit like insurance for your Paid Search (PPC) campaigns. You can extend the reach of your Search Marketing expense to a further network of sites.

Conclusion: Search re-targeting has higher conversion rates than typical PPC Search Marketing.
The reason for this is because advertisers can “re-message/ re-market” their ad during the most crucial time of a target audience’s buying cycle.

How to get people reading your blog

So, you’ve set up a blog for your company. Let me guess why: Someone told you it was the best way to promote your site in the search engines?

The search engine optimisation community will tell you that content is king. And they’re quite right.

But a blog won’t be read unless it has great content. If you’ve done your research, you’ll have discovered that the minimum length you can get away with if you want Google et al to bother crawling and indexing your blog is 350 words. That’s not too much of a stretch – you can probably knock that out in 20 minutes if you put your mind to it. Continue reading How to get people reading your blog

SEO Article Writing 101

SEO article writing is a technique of composing an article to be used in organic SEO as a way to boost traffic to your site. This practice of internet marketing varies from usual content and landing page writing.

SEO articles are typically written with the intention of distributing them in one of the countless article submission websites to be published. In exchange for your articles submission, you will receive a link back to your own (or client’s) website. It’s a win-win-situation, providing the other webmaster holds up his end of the bargain by linking to your website.

Continue reading SEO Article Writing 101