Real Estate

Refinance the Pitfalls with a Fix and a Change – Keeping Ownership When Your Change Fails

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He was young and inexperienced, but he was convinced that he was unstoppable. He had a lot of energy and motivation. The house was in Arvada, a northwest Denver suburb, and I bought it for an incredible price. It was part of a package with another house that he planned to keep as a rental. This one didn’t have a large number of rentals, but it looked fantastic as a hitch so I bought both houses. I started the rehabilitation in both properties, with the focus on the planned rental; that would be a much easier and faster rehabilitation. That house went off without a hitch. I rehabbed it, rented it, and will refinance it. Because I used a hard money loan, I had no money and was producing positive cash flow in six weeks. The Arvada house was a different story. That one also ended up in my rental wallet, but it was far from planned.

It was after I finished with the first project that I began to notice the murky work at Arvada. There was work not allowed everywhere. There was a small addition that was falling out of the house, used building material that didn’t belong, leaks that were plugged, and faulty wiring. The budget was ruined even before it started, and it did not have the reserves to cover the extreme amount of surplus. I didn’t know what to do so I went cheap. I applied a lipstick, put the house on the market and crossed my fingers.

I lowered the price and then lowered it again. It got to the point where I couldn’t pay off my loan and pay a real estate agent, so I decided to keep it. To do that, I had to pay the money back to my lender, which means I had to refinance the loan.

This painful experience taught me many important lessons; Don’t go cheap on finishes, what to look for on a budget, and the pitfalls of refinancing. Loans have changed since then, so I reached out to Joe Massey at Castle and Cooke Mortgage, our preferred lender in Colorado, for help on the problems investors face today when trying to refinance their investment. Here is the list of cheats we discussed:

Value: It is almost impossible to get a higher appraisal than the latest list price. In my case, I kept lowering the price, to the point where it was below what I could have priced. When I went for the refinance, the appraisal hit the last list price and I was forced to bring cash at closing to close the deal. Refinance appraisals are based solely on comparable sales (comps) in the area, as there is no other market indication for the appraiser to reference. Additionally, low-quality rehab is difficult for an appraiser to value, so it is common for low-quality rehab to have no impact on the appraised value. However, low-quality restorations have a large impact on real value. Once there is MLS exposure, which means anyone looking for a home can see it, the appraiser has real market information to get a more accurate value. Think about it, how can the appraiser justify a higher value than what is listed in the MLS? It is best if you have the value that enters the lower list price, or even below it.

Another hurdle with MLS exposure is time. This isn’t a big deal for most, but it’s worth mentioning. The property must be off the MLS for at least one day before you can apply for the loan. Again, it’s not a big deal, but this will create a one or two day delay in the process.

Credit: Credit requirements are a bit stringent with rental property loans compared to owner-occupied loans. Almost all loans are approved or rejected by a computer system, so scores can vary. For example, if you have less than perfect credit but a larger down payment, the computer might approve the loan. In the rare event that the loan is manually underwritten, your rental credit should be 620 or higher until you reach your fifth rental, at which point you should have a credit score of 720.

Entities: Conventional lenders will not make loans to an LLC or corporation; You must own the home in your personal name to qualify. Many lenders will not loan you money if at ANY time you owned property in an entity. Most of the arrangements and flippers do business with an entity, so you can see how this can cause you a problem with a refinance. However, all hope is not lost! Because Joe is a direct lender to Fannie Mae, he can finance it while your property is in his entity, but it will require you to transfer it to his personal name. If you hear a lender tell you that they can’t help you because you owned your business in your LLC or corporation, know that there are lenders like Joe who can.

DTI: You may hear that you cannot finance a rental because your debt-to-income ratio will decrease, which means that you are not making enough money to cover all of your debts. The issue here is often the amount of rent on the new property, and whether you can use it to offset the new mortgage payment. Some lenders will want to see the property on your tax returns to give you credit for income, which is always a loss in the first year you buy a new property and rehabilitate it; therefore, it is more difficult to qualify. If you get these comments, call another lender. The guideline here is that you can use 75% of the gross rental amount as income if you have a lease and can show at least one month’s rent collected and the security deposit.

Another problem with DTI is self-employed borrowers. I’ve written full articles on this topic, because many self-employed people take the most deductions possible. When you take a deduction, you reduce your taxable income, thereby saving on taxes. The problem is that when you lower your income, it hurts your DTI, making it harder to qualify for loans. It is not the fact that you are self-employed that prevents you from obtaining a loan, it is the income you report. The guideline here is that you can get a loan when you are self-employed if your income supports the debt. Income is documented with two years of tax returns, unless you have been in business for at least five years and have a credit score of 740 or higher, in which case you will only need one year of tax returns.

Bookings: As you start to go over budget or have trouble with your fix and change, it is very common to burn your reserves to save the deal. This is understandable but could create a problem. You need to have reserves to qualify for conventional loans, so it is very important that you have them in reserve before applying for your refinance. The guideline is a bit confusing and is based on how many properties you own. The reservation requirement is:

6 months of mortgage payments on the property in question (PITI) plus …

  • 2% of the unpaid loan balances of your other rental property loans for 1-4 financed properties

  • 4% of unpaid loan balances on your other rental property loans for 5-6 financed properties

  • 6% of unpaid loan balances on your other rental property loans for 7-10 financed properties

The principal balance on your home mortgage does not count in these calculations.

You can use some retirement money to meet this requirement, but you will also need money in the bank. Check with your lender if you plan to use retirement money to meet this requirement, and they can guide you through which funds should be where when you apply. If you start to run out of reserves, do what you can to make the house acceptable for an appraisal and then get the loan. Once the loan is in place, go back and complete anything you need to complete that will consume your reserves.

Changes in your situation: Several things can create problems here. If you’re in the middle of the refinancing process, it’s probably best if you don’t take out any additional credit or even have it taken out. You don’t want to quit your job either, which seems obvious, but I feel the need to bring it up.

I wish I had this information when I was working at that house in Arvada, and I wish I met someone like Joe to help me through the process.

Shopping Product Reviews

Aboriginal dreamtime and the great flood, part three

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Third part of a three-part series

Often times when animals are under stress or hibernating, they consume little or no food and often recycle their own waste to survive, making feeding them less of a challenge.

When the ice meteor hit the earth, it unleashed a deluge that caused the ice caps to begin to melt and underground explosions that released hot gases and water from below the earth’s surface.

The canopy of water vapor that once covered the earth began to dissipate and caused it to rain for forty days and nights as described in the Bible.

The ice, three hundred degrees below zero, is magnetic, so the colder ice was drawn toward the north pole.

If the earth were nearly flat like then, there is enough water in our oceans to cover the earth with twelve thousand feet of water, so more than enough would have been available to cover the earth with several feet of water.

The Bible says it was a one-year flood after which the waters began to recede as the land rose around it.

Mountains rose and valleys descended from the rapid flow of water from the highlands to the lowlands.

The formation of rivers and streams created erosion that carved out the terrain, including features like the Grand Canyon.

The landscape was not formed in more than millions of years, with the tremendous stream of water, it only took days or weeks. The heat released from within the earth made the rock extremely hot and flexible, making it easy for it to bend and take on the various forms of terrain seen today.

Almost all mountain ranges follow a coastline, or close to it, the rising mountains created nearby valleys that caused ocean waters to rush inward.

Areas like the Grand Canyon were formed by erosion in a matter of days, not thousands of years as many think.

It all happened very quickly, as evidenced by animals found in places like Russia with fresh food in their frozen stomachs. Seashells are found in places like Mount Everest and Sedona, thousands of feet above sea level. All of this points to the validity of this theory. How else could the artifacts have gotten there?

Iron trinkets and animal remains have been found in coal and other ancient minerals.

After the flood subsided, God promised Noah that the world would never again be destroyed by the flood. In today’s world, with mountains and other environmental features, this would be physically impossible.

After the flood, man and animals began to eat meat, the vegetation was much less because the canopy of water vapor was no longer present, man and animals no longer grew as much or lived as long as before the flood.

Life had changed and humanity had become a new species.

Tours Travel

Anna Maria Island, Florida – Interesting Facts

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Anna Maria Island, on the west coast of Florida near the mouth of Tampa Bay, has been a popular beach vacation destination for more than 100 years. More than 100,000 visitors annually enjoy the island’s beaches and relish its old Florida corporate free attitude. If you are planning a trip to AMI, or have already been there, you may want to learn a few things that make the island unique.

Here are five little-known facts about Anna Maria Island:

  1. The island has quartz beaches: Many first-time visitors are amazed by the fine white sand that covers the beaches of Anna Maria Island. There are two very different ways that white sand can be formed. The first is through crushed seashells that accumulate and wash ashore over hundreds of thousands of years. The second is a rare phenomenon in which quartz rock is eroded by streams in high mountain ranges and washed out to sea. AMI’s sand comes from a combination of erosion in the Appalachian Mountains reaching the Gulf of Mexico and seashells. In addition to the soft white sand, quartz is also a poor conductor of heat, which means that the beaches of Anna Maria Island do not get as hot as other beaches.

  2. The beaches stretch 8 miles: Although AMI is about 7 miles long; the beach stretches around the northern and southern edges of the island to create more than 8 miles of uninterrupted beach. Northwest beaches face Tampa Bay, while Southwest beaches face Sarasota Bay.

  3. AMI is 3000 years old: It is impossible to predict exactly how old Anna Maria Island is. However, carbon dating and soil samples taken by the University of Florida suggest that the formation of the land mass dates back approximately 3,000 years. AMI is a barrier island formed by sediments carried to the coast of the mainland. The northern portions of Anna Maria Island are the oldest and the island continues to expand to the south. Some parts of the south of the island are less than 200 years old.

  4. Bean Point named after settler: The first travelers to the beach of Anna Maria Island arrived in the late 19th century. George Bean settled at the northernmost point of the island. He and his associates used steamboats to transport tourists from St. Petersburg to enjoy the then-secluded island. Bean Point still offers a nearly 270 degree view of the Gulf of Mexico and Tampa Bay.

  5. Sea turtle nesting area: Millions of green and loggerhead sea turtles made their great journey by the sea on the beaches of Anna Maria Island. In any given year, up to 200 turtles will build nests on AMI’s beaches. A typical nest contains 60 to 100 eggs.

Click here to find even more information about Anna Maria Island, as well as great deals on lodging reservations, shopping, dining, and more.

Arts Entertainments

Understand the relationships between age differences

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Interestingly, a study on age-gap relationships indicated that cases in which the wife was older than the husband showed a higher than usual proportion of good fits, as did those in which the husband was eight or more years older. However, these same marriages also showed the highest proportion of poor fit.

The happiest group of husbands was found to have wives twelve or more years younger, but the happiest wives were four to ten years older than their husbands. However, the happiest couples were those in which the husband was three to five years older. So find out. Here are some helpful principles:

1. If the man is about the same age or slightly older than the girl, there will be no special age-appropriateness problem.

2. If the girl is a little older, there will be no special problem unless one or the other feels sensitive about it. The only question then will be: “How do you feel about it?”

3. As people get older, the age differences become less important. All things being equal, there will be less difference between a fifty-year-old woman and a seventy man than between a twenty-year-old girl and a forty-year-old man.

4. When one is relatively young and the other up to twelve years older, the couple should carefully review the following issues:

In these age gap relationships, there can be real differences in your interest in physical activities. If the man is the oldest, this may not be too important. A thirty-five-year-old man can play golf or even tennis just as well and swim as well as a twenty-year-old girl.

In fact, their age difference can make them more evenly matched. A relationship problem with a greater age difference will be the stage in which your interests are found.

Younger people often want to wander to dances, parties, nightclubs, and similar activities. As people get older, these activities are much less attractive and can become boring if they are practiced too much.

If the man is considerably older and he and his wife do what he wants, she may miss a phase of his experience that, rightly or wrongly, she will always regret. If they do what she enjoys the most, they will drag him through the same experiences twice, perhaps after he’s eager to move on to something else.

A compromised can work. On the other hand, it can result in a type of social life that is not satisfactory for either of you. A deeper phase of the same problem concerns one’s attitude towards life. For those with less experience, age-gap relationship problems seem much simpler than they really are.

Young people are likely to feel that the older generation must be rascals or fools, or they would have long ago abolished war, poverty, industrial strife, and mosquitoes.

Older people, on the other hand, often find the enthusiasm of youth amusing. They can tolerate them in their children, but they do not want them in their spouse. If the age difference is so great that the wife regards her husband as an old man, and the husband thinks of his wife as a mere girl who spends too much time and effort on things that do not matter, the situation is not favorable for a child . successful marriage.

However, just because age-gap relationships are risky doesn’t necessarily mean they shouldn’t be attempted. A twenty-five-year-old girl who was marrying a man twice her age asserted strongly that she would rather marry a first-class man in his fifties than a third-class man in his thirties.

There could be other advantages to such a union. The girl who marries an older man has a better chance of knowing what she is achieving. In any case, the most important consideration is not age, but maturity.

Younger people who are more mature than most of their contemporaries may find an older partner to be more likable. However, as in any age-gap relationship, the preference for a much older partner must be analyzed very carefully.

The danger is that the older person is psychologically a surrogate parent, rather than a partner.

Technology

Top 5 Tips on How to Market Your Brand on TikTok

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Since its launch, the popularity of the TikTok program has revealed substantial growth. In October 2018, it had been the most downloaded photography and video program in the Apple store, internationally. The show’s stats will probably blow your mind. It has supposedly accumulated more than 800 million active consumers, with the United States being the hottest country in which it has been downloaded almost 100 billion times. With a lot of teenagers using this stage, it is the ability to drive musical tunes like Taylor’s, products, and marketing campaigns. However, being far from mainstream advertising as perhaps, it has also baffled many manufacturers who are unsure how to use the system to generate profit and new exposure. Some have called it another ‘fashion show’, which can collapse and disappear as quickly as it came to victory, others like Nike, ABC and Google have embraced the show and run ad campaigns on TikTok. Even Khloé Kardashian continues to present sponsored items on stage.

Similar to TikTok, entrepreneurs need to think outside the box once they come up with a strategy. While certain states remain uncertain for TikTok, consumers of its Musical.ly predecessor were roughly 70 percent female.

Below are the top 5 tips on how to market your brand on TikTok

1) Native movie

Another way to use ads on TikTok is by using native movie ads in the source that TikTok was recently caught subtly testing on the show. The evaluation was seen in the US edition of this show, in which a movie labeled “Sponsored” on bike dealer Specialized appeared in the main feed, along with a shady “More Info” button that sends to consumers to touch for more details. .

Presumably, this button can be customized to guide users to the advertiser’s website or some other internet address. Still, also, for now, he opened the profile site Specialized Bikes (@specializedbikes) within the TikTok program. The music that followed the clip has been labeled “Promoted Music”.

These native movie ads are exactly the same length as normal TikTok movies (9-15 moments, although the test ad was only 5 minutes), they are full screen (like Instagram Stories ads) and maybe the users jump. It supports calls-to-action for show downloads and website visits, and can be accompanied by full movie reviews, typical video drama lengths, movie participation, and click-through rate. Influencers

2) Influencer Marketing

Influencer marketing is completely on the streets of TikTok, and many powerful and innovative TikTok consumers have emerged within the program since its launch. Several big brands have started experimenting with influencer attempts around the show.

Ideal influencers can efficiently alter sponsored content into an authentic message that targets customers. However, from a new one, don’t try to modify the influencer’s voice and also order much of the way they present their articles. They are influencers for a reason and their followers appreciate the value of their material because it is authentic. When this applies to many social media platforms, it is very accurate on TikTok, in which Gen Z consumers are likely to get the trump from any doctored content.

One brand that was successful with its influential advertising effort on TikTok is currently Calvin Klein, which in 2018 pulled out of the runway style to rebrand and expand its customer base among young people. It immediately became the most successful ad campaign on TikTok.

Influencer advertising is still relatively new on TikTok and even cheaper for Pull than other shows. Since the distance is not very full yet, the ideal expansion hacker can design a fad that will bring you a huge ROI.

3) Be on the lookout for trends.

Observing the trends on TikTok is a wise move, especially since they change weekly. In reality, they could change almost daily. Keeping up with what consumers want to know more about is crucial. If you are using influencers, hope they understand what trends to follow and what not, this is how they have become like this. TikTok celebrities know precisely what the top trends to follow are, which could help your product get the best exposure and push more potential customers to a store. In the event that a fad has been missed, as it only lasted one day, don’t worry about it. The next is on the rise.

When you start TikTok, it will take you directly to the home page. That’s where you will discover the latest movies from the popular TikTokers. You don’t have to follow everyone to get started. Your content is displayed the moment you log in. Since you then start following an increasing number of people, your home page will also be inhabited by articles from these users. In addition to the home page, most web pages allow you to search for hashtags and consumers and display various of the current trending challenges along with the hashtags.

4) Coming soon: 3D / AR glasses

According to a leaked launch pad recently released by Digiday, furthermore, for the aforementioned things, TikTok may be working with a Snapchat-style 2D lens filter for snapshots. This can provide interesting in-store advertising opportunities.

5) User generated articles

User engagement and user-generated content should be the cornerstones of any TikTok advertising strategy. Since the achievement of the program is based on material created by its users, directing this to an advertisement makes perfect sense. Haidilao introduced a “DIY” option for their menu, which means that customers can create their own distinctive dish off the menu using components that can be found on the restaurant’s menu. When customers asked about the DIY option, they were invited to win a short movie of them making their own food and then share it on Douyin (the Chinese variant of TikTok).

The effort turned out to be a great success. More than 15,000 customers ordered their DIY option at one of those chain restaurants, along with more than 2,000 movies, which have been shared on TikTok, creating more than 50 million views on the show. Marketing success using UGC on TikTok comes from discovering fun and unique methods to induce customers to create articles on behalf of their own new ones or participate in brand campaigns. You can even offer a prize or reward for the ideal movie or find another method to inspire users to publish articles. If you can bring something distinctive to the TikTok founders, that’s a great way to encourage users to create content.

However, not sure about advertising on TikTok? Rest assured, you are studying the ropes with the rest of the promo world. Produce a profile on the program and start small that won’t cost you a lot of effort and money. As you become more familiar with using the show and understand your viewers, you can adapt your promotion strategy.

And do you want to read more blog posts like this one on similar topics? If so, go here to read more of my articles.

Home Kitchen

Is it a tacky red kitchen?

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Choosing a bold color in any room is always a bit scary, but it can also add a touch and character to a home. Some rooms work best with bold, bright colors, and others are best with soft, calming colors. A kitchen is one of those rooms that can handle bright colors, even red, whether it’s the red painted walls, or a combination or powered fixtures, or a combination of both.

Sure, it can be tacky if the color is overdone or too bright or even in too much space. But it can also be done very tastefully and add a charm that makes the kitchen a star. A few different reds work well in kitchens, depending on the decor and feel the homeowner wants.

The cherry red makes for a great red kitchen. Whether on the walls or even on the cabinets with a bright white accent, it will brighten the room and give it a cheerful feeling. Many kitchen accessories are now available in red to play with the color, and with cherry, the accessories will go very well.

Another nice color is a darker red, like a maroon or wine color. This makes for a more sophisticated look and works great as an accent paint color too, perhaps under a chair rail or just on a wall, paired with a more neutral beige. Deep red goes well with stylish appliances and décor.

Remember, it doesn’t have to be paint that makes a kitchen turn red. Use the aforementioned accessories such as a shiny stand mixer or vintage-style red bread box on the counter, or incorporate some red tile into the backsplash or countertops. Red is said to boost energy levels, and that’s not a bad thing in a kitchen.

So the answer is no, a red kitchen is not in bad taste: bright, cheerful, sophisticated, energetic, yes, but in bad taste, no!

Auto

Ford poised to lead small SUV market growth

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Ford, which fueled the SUV boom in the 1990s, has revealed its plans to invest more in small and midsize SUVs, which will be developed by numerous models around the world. The small SUV segment, which has seen a massive increase than any other Ford vehicle segment, is wanted to be larger and with newer and much more advanced vehicles.

Ford has affirmed its plans to launch its Ecosport subcompact SUV in more than 60 countries around the world from just 10 in the current picture. The Escape, rebranded Kuga outside of North America, will launch in Chinese markets this year. The huge investment was said to be a major gamble to incorporate Ford’s plan to spread multiple small SUVs by Jim Farley, Executive Vice President of Global Sales and Marketing, and is confident that it will pay off. Small SUVs have helped Ford multiply its market share; especially traditionally tougher coastal markets like California and catalyzed expansion in developing markets. CEO Alan Murray has pushed beasts like the Explorer SUV on a diet to invite more customers looking for rough-terrain performance, cargo space, and fuel economy. With increasing wealth in the Indian and Chinese markets, One Ford Plan has thrived very well and is expected to continue for years to come.

People all over the world have fallen in love with these small utility vehicles. The body style looks intriguing, while the fact that people can sit above traffic and pack luggage, as well as people in comfortably, is attractive; while the main factor is the fuel economy of the vehicles. SUV deliveries worldwide have peaked at 35 percent since 2005, representing 13 million units sold per year, and will continue to outperform other supply segments for 2017, increasing their share of vehicles sold to 20 percent. hundred. The growth is largely driven by the rise of paperbacks in India and China and the rise in gas prices in North America.

To capture a large chunk of market share, Ford must make efforts to drive growth outside of North America. Ford units in North America and Europe have profited in the SUV and small utility markets in huge numbers despite large losses in the sedan and hatchback segments. The orders go far beyond the production of small utility companies, says Farley and that nothing has been more prolific than the boom in small SUVs. Western trends have now apparently carried over to developing countries as customers are fascinated with the concept of sedan-like drivability and fuel efficiency. China proves to be the biggest opportunity as it is home to demands for small, medium and large SUVs, and market demand is expected to double in the next five years.

The global need is believed to be rapidly converging towards the segment of the most attractive vehicles with enormous power and good fuel economy due to rising world gasoline prices. As the consumer progresses in income and stature, they are moving toward small utilities rather than small cars in favor of large space along with generous features, great gas mileage, and safety for the whole family.

Digital Marketing

7 Instagram Story Ideas to Build Followers

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Keeping your Instagram busy is a good way to build a following. An active account is more interesting than an inactive one. Also, using Instagram to share all types of content with your audience in many ways will be much more interesting to them than if you only shared one type.

Let’s look at some ideas that you can incorporate into your stories to build a following.

1. Show a day in the life

A great use of Instagram stories is to take a day and show up at different times of the day to share what you are doing in relation to your audience and your business. For example, if you are a business advisor, you may want to share with others how you run your own business and your team.

2. Broadcast live

Take time to post live every day, even to share just one exciting bite of news. When it is streamed live, your audience will receive a notification if they signed up to receive notifications. They will pay more attention to you and even be sad if they miss it live, but they will also see the recording if you leave one.

3. Provide a sneak peek

Creating a new product or service? Please provide a sneak peek about it. Trying out new software that you want to recommend? Make a story about it. The more reasons you can find to appear in stories, the better your search will be to find more followers.

4. Take a survey

Instagram allows you to take surveys, which is a good way to find out what your audience thinks. Keep the surveys short and concise to avoid confusion, as these surveys are not very scientific. If you want accurate results, consider limiting your options.

5. Trade Instagram Stories for a day

If you have a colleague who caters to a similar or the same audience as you, you can swap Instagram for a day. You publish their stories and they publish yours. This is a wonderful way to get cross-promotions and more followers.

6. Countdown to launch

If you have an upcoming launch or event, use Instagram Stories to count down to the launch. This is a fun way to get everyone excited about your new offering.

7. Use stickers and special effects

Instagram has ways to grab your audience’s attention; use them, use them. Add special effects, use stickers, add great hashtags. Call the right people. Make yourself known so you can catch those followers who like you.

When sharing a story, always remember to include a call to action. Your audience won’t act (or very rarely) if you don’t tell them what to do. Every time you create any content, you need to know what you want the results to be after your audience sees it.

Business

Get First Page in Google Searches: SEO (Search Engine Optimization) Basics and Tips

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Do you want to have the first page on Google? If you have a web page or blog, it is likely already the first page for some searches. With a little SEO, you can get the first page in more searches. And it is simple.

The first and most obvious step is to think of the words or phrases you want to appear on the first page.

Once you have that list, determine how many people are searching for those terms. To check how popular a search is, you will need a tool. I use Wordtracker (there is a free online version). The higher the number, the more popular the search will be. There is no point trying to optimize for a rarely searched word or phrase.

It also doesn’t make sense to try to optimize for a word that is too popular because getting a high ranking will be next to impossible.

Think “long tail”

Think about how people will search. People often search with a question. For example, where do I find X? Or where I find Y in Canada. The longer the rope, the less competition you will have, so it will be easier to qualify.

So make the list of phrases you want to “own” and others that are realistic to “own.”

Now it is simple. Just put these words and phrases in your titles, image descriptions, videos, and in your text. Titles are the most important. That’s why a blog called “Shrimp and Fish Soup Recipes” will get some good Google juice on all 4 words. So when searching for “Shrimp Soup” you will get the first page. Or “fish soup recipes” or “shrimp recipes” and so on.

Yes, you want to repeat your words and phrases often in the text. That said, write naturally. Never let SEO be a substitute for good content.

So you do this and you are not the first page yet. That’s because you don’t have enough credibility with Google. You need another free tool to verify this. I use a free Firefox add-on called searchstatus. It gives me both the PageRank and the Alexa rating of any web page. Higher PageRank numbers are better. High credibility is your end goal as that’s what ranks you first and Alexa tells you the traffic (lower number is better)

How do you increase your PageRank?

It’s all about quality inbound links. You want people with high credibility (PageRank 4+) to link to you, for example, Wall St Journal would be great. More is better and the link rank is almost logarithmic, so a PageRank of 6 is worth 10 times a 5, etc.

That being said, for you to get a link from an 8-rated site like pornstars.com would not increase your rank in the business genre. Sites are ranked according to their relevance.

The best inbound links are contextual. So someone blogging and saying I heard time management guru John Doe and the “time management guru” hot link is great for John Doe. Second best, direct link to “John Doe”. Third, it’s just having a link on a blogroll without any context.

You get a higher ranking if you update your content regularly. This is why having a blog on your site is a good way to increase your ranking.

Moderate cross-linking within your own material will also increase your rank and make it clear to Google what you do.

3 ways to get links to your site:

1 – Ask politely. You may not always get a link, but it never hurts to ask.

2 – Comment on other relevant blogs (and have your PageRank turned on so that it ignores low PageRank and high alexa). Please note that most comments themselves are not a link. But being there makes people look at you. You need people to look at your stuff so they are inspired to link it up.

3 – Have good material. People are linked to quality. But of course they have to see it, so promote your content:

Have your URL on all your print materials, cards, letterhead, email signature file, etc.

Write guest articles and blogs in the right (high-traffic) places (see Alexa).

PR – write about

Contribute to other sites. For example, write reviews on Amazon, join the conversations.

And a warning. Never play games (like buying links).

In the end it is about having good quality material. And be there for people to see your material. People engage with quality without your asking, as long as they know about it.

Relationship

One of the favorite things about Christmas: gifting

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Christmas is just around the corner and everyone wants to adore and enjoy this holiday full of joy.

Praising Christ and spending time with family is one of the most essential things that we all love to do. We also take time for special things together with family and friends.

The most important thing we love about this season is giving away! Give time on a service project, get gifts for friends and family, or send support to missionaries. All of these things make us all happy. Something everyone enjoys is giving rather than receiving.

Here are some of the most beautiful gifts that you can send to your loved ones and make them feel positive.

Flexible peacock clip: This fantastic bendable peacock clip is one of our best sellers around Christmas time. The amazing dangling train and jewel-tone beads are the perfect combination. Get this and coordinate the hair band. You can easily get this Christmas gift online. Buy an amazing piece of this clip to surprise the girls you would buy!

Gorgeous sterling silver ring: Precious sterling silver ring with the representation of the Passion of Christ with the crown of thorns and the cross. Get all the unique Christian gift logos or amazing Christian movies featured on Crossflix! This can be a perfect gift for children. This will make them feel more connected to Christ.

A set of Tegu Magnetic Blocks: You can go for DIY art kits, puzzles, and many other kid-friendly things. There are several websites online from which you can easily obtain unique and memorable gifts for children. Make learning fun by giving away riddles and other related games. Give a gift that will be remembered and useful to the child for a long time.

Complete gift set: You can also go for a great full gift set of stunning natural products that everyone will love. There may be a gift pack of delicious organic lip balms, organic soaps, natural deodorant, and organic deodorant for kids.

Organic lip balms should be made from organic oils and calming ingredients, organic soaps from all organic oils, and healing herbs. Choose natural deodorant and organic deodorant for children. Ensure effective and long-lasting deodorants composed of completely edible ingredients. You can also add it with a Coconut Wax, Valencia Orange and Grapefruit candle scented with healing essential oils. It can be one of the best gifts that you can give to the whole family or to your family members.

Essential oil blends: It can fill your home with the aromatic scent of essential oil blend. Create a cozy atmosphere for family dinners, also improve and purify the air and give up the festive cheer. It can be a great gift for your moms, teachers, or friends.

Christmas carol devotions and activities: Music is a great and enthusiastic way to communicate and learn. This can be used by parents during the holidays to impart the truth to their children.

Devotion should focus on traditional carols telling how the carols were written, reading scriptures, defining biblical messages, and fun interactive crafts for the whole family. You can also spend some family time watching Christian movies online on Crossflix.

This list ends here, but not the DIY ideas. Browse the internet for various DIY ideas for your kids. Let your creativity shine and combine the handmade gifts with one or two combinations of the gifts mentioned above.

Make Christmas more healthy, delicious and overwhelming with all your loved ones and loved ones. Worship Christ and participate in various community services. Enjoy the joy of this festival by giving and making others happy. Also, enjoy Christmas videos with your family on Crossflix and educate your children about Christianity.

Enjoy the giveaways and do a lot of charity.

Merry Christmas! I hope this year improves and that you have a lot of happiness and prosperity in your life. Help others and make the best of this festival for yourself. Praise the Lord and follow his path of light.