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Needless to say, the internet has emerged as a booming industry. Though everything looks simple, to find opportunities to earn online money is a tricky affair. Nevertheless, you can still manage to be successful provided you are aware of avenues or chances that are lucrative. Enumerated below are three sure-shot ways of doing online businesses.

Google AdSense

Under this program offered by Google, you have the liberty to advertise on your website or blog. Visitors to your blog or website get to see these adverts. Whenever any visitor click’s on an advert Google offers monetary compensation to you. In a way it appears as if your website or blog is selling advertising spaces. Of course, when it comes to the type of advertisements that are to be shown, this is something Google decides. The decision is based on parameters like theme or topic of your website.

It has become a popular way to earn online money. The process to earn is very simple – make sure to incorporate the Google AdSense scripts in your blog or website. Additionally, update your website or blog at regular intervals with fresh content. This way your readers will get a chance to read new content as well.

Affiliate Marketing

To earn money in the cyberspace becomes a joyride when you choose this option. The entire process is very simple and easy. The entire program is well-equipped with spectacular features which in turn will help you in understanding gamut of earning online money.

All you need to do is to sign-up with the merchant for affiliate marketing account. You are expected to promote the products or services of the merchant in your blog or website. Your earnings will basically come in the form of commission every time a visitor sign’s up for e-mail listing or buys products or services of the merchant.

Sell E-Books or Similar Products

This alternative is best suited for people with a penchant for writing. For instance, you can go about creating E-Books and sell them via your blog or website. The good news is – there are websites like Click Bank that has become popular for E-Book writers. It is a well know fact that information products are selling like hot cakes. They are in great demand and you can earn online money in a short span of time. You can easily find such websites with a quick search in any of the popular search engines like Google.

There are many people who have learned to succeed at making money online and being able to work from home. There is a vast array of different opportunities online to earn income and depending on what you decide to do will determine what you can accomplish in terms of income. The best first step may be to determine what are your strengths and try to find an opportunity that matches with what you are good at. For instance, if you enjoy and are good at making videos then you could consider creating a YouTube channel and posting videos there on topics that help solve people’s problem on a particular topic and if you get enough views then you could make good money from the advertising commissions.

Make money playing video games:

Are you good at playing video games? You could consider starting Twitch stream and if you can develop a strong following it is possible to make decent income from donations and sponsor income. If you do decide to do this then make sure you get the best possible internet connection with fast upload rates. If you enjoy typing and filling out forms then you could consider looking into filling out surveys for income. If you are good at programming then you could look for jobs at sites like Elance or Fiverr where the work can all be done from home. Do you have good article writing skills? You could consider starting a blog about topics that solve people’s problems and if you are able to get a lot of traffic then you could monetize it with advertising like Google AdSense or with relevant affiliate offers.

CPA affiliate marketing can be another good way to make money. This involves sending targeted traffic to offers that usually involve filling out a form or competing a short survey. Once the prospect successfully completes the form you will get paid a fee. The advantage to promoting these types of offers is that you do not need to complete a sale so conversions can be high if you are able to pick the right offers. It can be tough to get accepted into a CPA network so make sure to appear professional and be confident in your abilities if an affiliate manager decides to call you for an interview. Remember that you will be bringing them business so do not appear desperate. Take advantage of some of these tips to help you be more successful at making money online working from your home.

In this day and age of national and international financial institutions proliferating throughout even the smallest of towns, it can sometimes be hard to find a local community bank. If you are lucky enough to have one nearby, you should definitely use it for all of your financial needs. You might think a larger branch can offer more services and better deals, but that is a fallacy. Here are some of the reasons why your local branch trumps the big ones.

Service

The keyword to focus on for a community bank is “community.” Everyone who works in the building, from the night janitor to the security guard, and the rookie teller to the owner and president, is from your community. They know who you are even if you lose your wallet and desperately need to take money out, even without a photo ID or debit card. They know that even though you are occasionally a few days late on the mortgage, you always pay it. The large multi-state and multinational institutions will hire some local tellers, but there is a good chance management will not try to establish a personal relationship.

Connections

Furthermore, the people in your local branch know the people that you will be doing business with throughout town. If you run a restaurant and you need to do renovations, your branch will talk with your contractor and find out exactly how much it will cost you. If it is too much for the bank to loan, they can tell the contractor that, and see if he or she can lower their bid. Living in the same community with their customers will make the bank and its employees want to do everything in their power to satisfy you.

Perks

Some of the large branches can offer free checking, but only if you have a certain number of direct deposits a month, totaling a minimum specific amount. Otherwise, they will charge you a stiff penalty. Almost all of the bonuses that large institutions advertise come complete with a lengthy amount of fine print. Your community bank doesn’t mess around with those gimmicks. If they say free checking, they mean free checking, whether you have a nickel or a million in the account.

In conclusion, there is little that a big branch can offer you that a community bank cannot. The government backs both financial institutions. Your account is just as safe if your institution is headquartered in your town of 10,000 as it is for one headquartered in London or New York.

Despite whatever Hollywood has led you to believe, breaking into banks is incredibly difficult. Some vaults are so secure that it is impossible for a heist to take place. Read on to learn about some of the world’s most impenetrable banks, as well as those belonging to some private companies, to see what extreme measures are taken to ensure that the deposits and valuables of clients are kept completely safe.

Fort Knox

The United States Bullion Depository boasts a solid granite wall perimeter and squadrons of machine gun wielding guards and armed military. If by some chance a thief got past those safeguards, they will then have to contend with the 22-ton vault door guarding the loot. To go even further, the door is equipped with a lock so intricate that it takes a 10-person team to unlock it. This may be why no robbery attempt on Fort Knox has ever been reported.

The Bank of England Gold Vault

This vault houses over 4,600 tons of gold, and it is second in size only to the Federal Reserve in New York. The walls are bombproof, so sturdy that employees actually used them for protection during air raids in World War II. When the doors actually do need to be opened, it is quite a process. An elaborate security system has been put in place that requires a combination of three-foot keys, voice recognition, and other security measures too detailed to publish.

The Iranian Gold Reserve

Part of the reasons that the vault holding Iran’s gold is so impenetrable is because nobody can actually say for sure where it’s located. Many suspect that the likely location is either in the Imperial Treasury or the Iran Central Bank, but there is truly no way to know. With virtually no information about this reserve being circulated, criminals would have a very difficult time planning a heist.

The Dominion Bank Vault

This bank is located in the Dominion Bank Building in Toronto, Canada and was once considered the most impenetrable bank in the world. It was constructed on bedrock and is wrapped by surveillance passages, making a break-in virtually impossible. There is also a 40-ton door standing in the way of the goods.

The Hard Rock Vault

Some banks protect things even more valuable than money or gold. Opened in 2001, the Hard Rock Vault is home to hundreds of priceless musical items and memorabilia. It’s located below the Hard Rock Café London, in what used to be Coutts Bank. This space holds Jimmy Hendrix’s Flying V, John Lennon’s handwritten “Instant Karma” lyrics, and more. If you’re wondering exactly how safe this underground fortress is, keep in mind that it once held the Queen’s treasury.

Although there will probably always be criminals trying to design the perfect heist, you can rest assured that institutions throughout the world continue to innovate new ways to protect what’s important to you.

Sending money overseas might sound straightforward enough, but without proper planning and research, you could end up losing a lot to fees and poor exchange rates. Particularly if you are buying property abroad or regularly sending money overseas, the differences can become very significant. Don’t be tempted to simply go to your local branch or log into online banking to send a large sum of money, since you’ll invariably end up spending a lot more.

1 – Get a Favourable Exchange Rate

Exchange rates fluctuate all the time, and even a day or two could make a significant difference, particularly with larger transactions. It is important not to take the exchange rates quoted in Google, XE and other such services too seriously, since these typically reflect the best possible rates which, in practical terms, are usually unattainable for consumers. High-street banks rarely have very attractive exchange rates, so transferring large amounts of money by way of a direct transfer will often end up costing you a lot more than you need to pay.

2 – Find the Lowest Fees

Do not be tempted to automatically go for the option with the lowest fees, since you’ll probably end up getting a very bad exchange rate. Consider, for example, the currency exchange offices that you find in airports. They invariably advertise the fact that they don’t charge a commission, but the exchange rate tends to be so poor that you’ll actually end up spending much more. Most foreign exchange companies charge a set one-time fee for each transfer rather than a percentage but, to get the best deal, you’ll want to transfer higher amounts. If you plan to send money overseas on a regular basis, it may even be more suitable to go with a company that charges a monthly or annual set fee.

3 – Don’t Neglect Security

As with any banking activity, you’ll want to prioritize safety and security to ensure your money is in good hands. Always ensure that any international currency exchange service you use is fully licensed and regulated and that they are insured should something go wrong. Fortunately, it shouldn’t take long to find a reliable and trustworthy company given the wealth of information available online. Before making any commitment, be sure to read some reviews, and always familiarize yourself with the small print. If, for some reason, your money goes missing or takes a long time to get to its destination, you need to have guarantees that you’ll be adequately compensated.

Final Words

The most suitable option for sending money overseas will depend entirely on your particular situation. If, on the other hand, you need to transfer a large amount of money, you’ll likely be better off using a foreign exchange broker and targeting a more favourable exchange rate. As always, be sure to compare the options online and get multiple quotes to find the most suitable option.

Over the past few years, SEO has evolved faster than the previous decade. And this has made it harder for users to keep up with most recent updates. The launch of Penguin and Panda changed the way things worked in the past. In short, the way Google used to rank website has changed a lot. But if you want to reach your objectives, make sure you avoid some common SEO mistakes.

1. Avoiding RELEVANT CONTENT

In the start, Google said that it would rank websites that have the most relevant content on its first page. This statement is still valid. What has happened is that the search engine has become a lot better at achieving the objectives. In other words, now, Google is in better position to know what is relevant and what is not.

So, what you need to do is offer content that is relevant and avoid content is not relevant to your niche. Of course, the content should be informative and unique.

2. Following Tricks

People have been using many illegal ways of cheating the search engine algorithms for traffic, exposure and backlinks. Some of these tactics can still give you a temporary edge, but they are bad for your blog or website for the long-term.

So, you should avoid using low-quality, duplicate content, keyword stuffing, questionable redirects or cloaking for traffic. It may be tempting to go for these short-cuts, but they will just hurt your ranking, and may even get you banned for good.

3. Overloading your site

It has been a common perception that photos, videos and other graphics make a website more appealing for the viewers. To some extent, this perception is true; however, there should not be too much of it or your website will take ages to load. Your viewers don’t have all day to wait for your site to load. If your blog takes longer to load than other websites, the viewers will just click away. You will not only lose viewers, you will also lose ranking against other websites.

4. Making navigation difficult

Navigation is one of the most important factors for any website. It’s important for both viewers and search engines. Ideally, your viewers should be able to get the desired information from your website in one or two clicks. This may not be an easy task for you. So, what you can do is put important content on the main page of your site. This the users will be able to get what they want more easily.

5. Misunderstanding THE BACKLINK PROCESS

You may not want to be obsessed with obtaining a lot of backlinks. Although you don’t have to have backlinks from authority websites to establish your credibility, it helps a lot. However, what you need to do is try to get backclinks in a nature fashion. But it’s not a good idea to buy backlinks. This is one of the worst mistakes that you can make.

Quality content is the key to SEO success. Content doesn’t just mean your text contents. Images must be an integral part of your content strategy. At times, single images can be far more effective than your 1000 word blog post. It also helps you improve blog post quality and performance.

Images, Infographics, Videos and all other multimedia contents on your web page will help you in increasing the user engagement on your site and makes the visitors stay on your site for longer duration which helps in reducing the bounce rate.

Not just adding images to your contents, you should also optimize those images for better SEO performance. Optimization of images must be the one important aspect of your on-page SEO process.

If you are using images in your content, there are many aspects to be considered related to SEO.

Relevancy

Using images doesn’t mean that you should fill up your content with loads of pictures. You should use it only when it is required and also you should use images that are more relevant to your content.

Placement of your images is an another important aspect. It should be placed at a relevant location in your content according to your text content.

Use original images

Originality always helps in improving your user experience and your authority. Usage of original images will be helpful in improving your SEO performance. You can create original images with a graphic designer or you can take your own photographs with a quality camera. It is the reason top White hat SEO companies employ talented graphic designers for creating quality images.

If you are not able to employ an in-house graphic designer or if you are running out of time, you can always use high quality images from the web. But the important factor to be considered is it should be copyright free.

There are many tools available for getting copyright free images without any cost. The most popular ones are Unsplash, Flicker, Freeimages.

Image Size

Images are the main source for damping your site’s speed. And site speed is a crucial factor in your SEO performance. So, you should be extra cautious in using images without compromising your page speed.

It should not also affect your image quality, you should have a correct balance between. You can achieve this by reducing the file size by compression. You can use tools like Photoshop for compression.

File name

Search engine crawlers are visually impaired, it can even interrupt a 5000 word text content, but it cannot interrupt a single image and what the image is about. It is the reason using a keyword rich file names for your images is an important aspect in image optimization.

Google bots and other search engine crawlers can read your image’s file name and if it is named with your target keyword, it gives a signal to search engines about the image topic and thus helps your SEO performance.

For example, if your image is related to selling sports shoes, rather than using the file name as “IMG_89868″ you can use it as “Black_Tennis_Shoes”.

Alt text

Similar to the file name, search engines can read Alt text of the images. Alt text is known as “Aleternative Text”, is an HTML attribute used to describe the content of images.

You should use Alt text which is relevant to your images and it should be clear and descriptive. You can use your target keywords in the Alt text but be cautious about Keyword stuffing.

If you are not focusing on Image optimization, you are missing a huge opportunity in improving your SEO performance. You can use above mentioned best practices in your on-page optimization process.

American youth currently face challenging realities along their way to adulthood. With parents working longer hours and the absence of grandparents and other community adults who used to make up support systems, the intergenerational fabric of community has been frayed. Youth development strategies aim to reweave community fabric in a new way – one that takes the supports and opportunities young people should have, and re-institutes them in the context of young people’s realities today. While many of these realities are harsh ones, we know that young people themselves want to be involved in their communities. The importance of building positive youth/adult partnerships in this process cannot be stressed enough.

The mobilization effort is based on influencing three critical elements: information, attitudes, involvement. The transformation of each of these areas, both in the public and private domains, is a necessary condition for change. For example, in the area of information, the country is currently focused on collecting primarily negative youth information, e.g., teenage births, dropouts, and juvenile arrest rate. Inspiring a 180 degree shift, we need to collect information such as: average number of hours youth participate in after-school activities, computer to youth ratio in non-school hours, and the percentage of youth who hold part-time jobs. The three elements are intertwined, for how information is gathered and communicated impacts attitudes as well as how and if people choose to become involved.

Only through broad community commitment, strong public will, and diverse partnerships can youth development take root, go to scale, and be sustained over time. Ultimately, the mobilization must be supported by partnerships among all of the systems in a community that affect young people (i.e., education, corporations, health care, juvenile justice, religious groups, and recreation). To build these relationships and establish youth development infrastructures to improve developmental paths of adolescents will take at least 10 years.

Localities currently spending their resources on efforts to “fix youth” will need to pool, redirect, and increase their financial commitment to youth development. These additional dollars will ensure all youth equal access to supports and opportunities, especially youth living in economically distressed areas.

Our information on the services young people need, and use, is still hit or miss. Communities do not know what they have or what they need. They usually have no way to tell how well services are being used and what services need to be improved.

Good information is important for youth services for exactly the same reasons it is important for everything else. Accurate, accessible standardized information lets people find the services they need and use them effectively. It lets communities manage, evaluate and improve their services and determine the need for changing them, eliminating them, or developing new ones.

Many national efforts to measure outcomes presently use deficit-driven indicators to assess young people’s condition in society, such as teen pregnancy rates, juvenile crime numbers, and percentages of high school dropouts. Although these measures are important, they do not tell the whole story about young people’s experiences. Measures that reflect positive conditions and experiences of young people are also important.

The accelerated trend of the past decade toward empowering our nation’s young people to succeed has fostered a new awareness and commitment to this most valuable resource. Some basic questions are:

- How much do we currently spend?

- How much should we spend?

Some progress has been made through new initiatives in education finance reform and services integration, providing more effective delivery of social, health and educational services for children and youth from the classroom up to the government. This document establishes an initial framework and formula for assessing the financial resources and mechanisms necessary to move American society closer to this ideal. The following were found to be potential root causes of these trends in spending:

- Devaluation of adolescents.

- Lack of consensus on youth development.

- Lack of adequate and protected funding. Funds are not protected and dedicated in the manner necessary to sustain the long-term, comprehensive process that is youth development.

We can support the move toward the ideal by:

- Seeking new types of information.

- Building on the after-school momentum.

- Making a sustainable public investment.

Youth development is an investment that must be made by each sector of the wider community – public and private. Examination of the federal-state matching, local dedicated taxes an incentives for business and philanthropy could lead to models for providing adequate and sustainable funding for youth development. National intermediaries must work to cultivate this leadership at all levels of government, and at the grassroots, by creating constituencies.

Several states are taking the lead from California, Oregon and Illinois by offering state-sponsored retirement plans that encourage or require private sector employers to participate.

The plans are referred to as auto-IRAs because eligible workers are automatically enrolled, generally within 30 days of employment. The default contribution rate is typically 3-5% of a paycheck and the employee can stop, restart or transfer plan assets depending on their needs. Referred to as “public-private partnerships” by the Pew Charitable Trust, there is no cost to the employer. Proceeds are managed by a private financial firm management for a pre-determined fee. The plans are subject to the Employee Retirement Income Security Act (ERISA) like other sponsored pension and benefit plans.

This article provides an overview of the states that currently offer savings programs, as well as those that plan to do so in the future.

OregonSaves

Oregon was one of the first states to implement a savings program for employees of small businesses who are not otherwise eligible for a workplace sponsored pension plan. Titled OregonSaves, it is a state retirement program that is available to an employer or an individual planning for the future.

OregonSaves had almost $57 million in assets as of mid-2020. Employee contributions averaged $127 to $135 per month as of that time.

Enrollment is automatic for employees, with contributions being made through payroll deductions. Each employee account is portable and can be moved from one job to another.

All Oregon employers, regardless of employee size, must facilitate the State’s program for their employees if they do not offer an employer-sponsored retirement plan. The plan is working with small employers to make the process as simple as possible.

CalSavers

CalSavers is available to California workers whose employers do not offer a workplace retirement plan, self-employed individuals, and others who want to increase their savings. Plan participants contribute to an Individual Retirement Account (IRA) that belongs to them.

California employers with more than 50 employees must register with CalSavers by June 30, 2021 if they do not already sponsor a retirement plan. Registration is available to all California employers with at least five employees.

The CalSavers program opened statewide in July 2019 and had $4.3 million in assets as of mid-2020. On average, participating employees contribute $105 to $120 monthly. Like the Oregon plan, the default savings rate is 5% of the employee’s pay and employees are automatically enrolled after 30 days of employment. They can stop, restart or transfer plan participation at any time if they change employers.

CalSavers Retirement Savings Program is designed to simplify employer participation with no employer fees, no fiduciary responsibility, and minimal ongoing responsibilities. Employers that fail to offer participation in the plan as required are subject to fines.

In May 2021, a federal appeals court in San Francisco dismissed a legal challenge to the CalSavers plan.

Illinois Secure Choice Retirement Savings Program

Illinois launched its Secure Choice Retirement Savings Program in 2018. It is a state-facilitated retirement program that is open to employees who work for an eligible employer as well as other employees who want to enroll independent of their employer. Approximately 32,000 Illinois employees saved $8.5 million in the first year of the Illinois Secure Choice program, according to state reports.

The Illinois Secure Choice account is a Roth IRA for the employee. The default savings rate is 5% of gross pay. Employees are automatically enrolled through payroll contributions after 30 days of employment. An employee can opt out at any time. Plan participants are charged a fee of 0.75% of assets per year ($0.75 for every $100 saved), which pays for program administration and operating expenses.

The Illinois Secure Choice had 5,544 registered employers as of May 2020. There are no fees for employers to facilitate the program and employers cannot make contributions to their employee accounts. Employers serve a limited role as a facilitator. As of November, 2019, employers with 25 or more employees that have been in business for two years or more are required to participate in the program. Employers that already offer an employer-sponsored retirement plan are exempt from this legislation.

New Jersey Secure Choice Savings

The “New Jersey Secure Choice Savings Act,” was signed into law in March 2019, with a two-year time frame scheduled to take effect in March 2021.

The Act requires employers that have been in business for two years and have 25 or more employees to participate in a retirement savings program administered through automatic payroll deductions. Private sector employees of businesses of any size are able to participate in the retirement savings program. Smaller or newer employers could join voluntarily. Failure to comply will result in fines to the employer.

Employees will be automatically enrolled at the leve of a 3% paycheck contribution. The annual contribution maximum is $6,000 for those under 50 years old, and $7,000 for those 50 or older.

Connecticut Secure Choice Savings Plan

Connecticut employers with five or more employees must offer a retirement plan to employees, and private employers with four or fewer employees may choose to do so. Employees are auto-enrolled within 120 days of employment, and employees must be notified of their rights within 30 days. Employers are not permitted to make contributions to the program.

The Connecticut Retirement Security Authority, a quasi-public agency, was formed in 2016 to oversee the program. The state estimates that as many as 600,000 employees may benefit from the plan.