Computers and Internet

As someone involved in investing for retirement, one of the options that’s fallen by the wayside is the annuity program. Annuities used to be the only life care program available; the creation of Independent Retirement Accounts and Roth IRAs and employer managed 401(k) programs.

When factoring the three variables of Security, Liquidity and Rate of Growth, most annuities are a good mixture of assets and are an excellent asset preservation tool for a retiree.

Annuities are purchased from investment brokers who take your purchase price and put them into a low-risk investment pool. With several billions in aggregated investments, these can get excellent rates of returns. Most annuities are invested into state and municipal bonds or funds of state and municipal bonds, with some anchored by Treasury bonds. When you purchase an annuity, the investment broker will run through actuarial tables, factoring in your age, your health risks, family status and a bunch of other factors. From the perspective of the investment counselor, the purpose of an annuity is to make a small profit for the company and there are several factors tied into this.

In terms of Liquidity, annuities are not particularly liquid. You’ll get a monthly payment for as long as the annuity runs and that payment will never adjust for inflation. When purchasing an annuity, keep in mind that with a 4% inflation rate (roughly what the US has as an average), prices will double by the rule of 72. Divide 72 by the inflation rate and you’ll find out how long it’ll take for prices to double. This translates to a doubling every 18 years. (As a cross check, if you look at the price of a hamburger now, versus what it was in the late ‘80s, you’ll see that this holds true decently well.) As a result, look at how much the annuity will be paying you towards the end of the term as opposed to the beginning, to get the best utility for your own use.

Annuities tend to have low rates of growth; in fact, they’re not so much a wealth generation investment tool as a tool to disburse your wealth while you’re freed from the hassle of managing it. Most annuities have interest rates to preserve the payments in the realm of 4-6%. This works well for hedging against inflation, but not for generating new wealth from your existing assets. As the final step in getting the benefits of a retirement portfolio annuities are one of many tools worth considering.

Annuities do have the benefit of being mildly tax deferred. The interest they accrue before they mature isn’t taxable until you start pulling money out of them. Annuities are also worthwhile purchases if you know you’re going to have recurring monthly medical expenses. It’s a comforting feeling to know that your health care each month is covered.

Like all investments, annuities are tools and not panaceas. Carefully weigh all your options when considering one.

Coughing, sneezing, sinus headaches, and dripping noses are just some of the miserable symptoms we allergy sufferers deal with every day. Indoor or outdoor, it doesn't really matter. Medications help some, but there is no cure for this often debilitating problem. At least if you have outdoor allergies, you can avoid going outside when pollen is most prevalent. If you have indoor allergies, you are out of luck. You live in your house, for goodness sake. What can you do? Live in a bubble? Personally, I wouldn't mind having a personal bubble, but that is impractical. What's the next best thing? Two words, air purifiers. They won't cure you, but they will make your life more comfortable.

Search engines are the vehicles that drive potential

customers to your websites. But in order for visitors to

reach their destination - your website - you need to

provide them with specific and effective signs that will

direct them right to your site. You do this by creating

carefully chosen keywords.

Think of the right keywords as the Open Sesame! of the

Internet. Find the exactly right words or phrases, and

presto! hoards of traffic will be pulling up to your front

door. But if your keywords are too general or too

over-used, the possibility of visitors actually making it

all the way to your site - or of seeing any real profits

from the visitors that do arrive - decreases dramatically.

Your keywords serve as the foundation of your marketing

strategy. If they are not chosen with great precision, no

matter how aggressive your marketing campaign may be, the

right people may never get the chance to find out about it.

So your first step in plotting your strategy is to gather

and evaluate keywords and phrases.

You probably think you already know EXACTLY the right words

for your search phrases. Unfortunately, if you haven't

followed certain specific steps, you are probably WRONG.

It's hard to be objective when you are right in the center

of your business network, which is the reason that you may

not be able to choose the most efficient keywords from the

inside. You need to be able to think like your customers.

And since you are a business owner and not the consumer,

your best bet is to go directly to the source.

Instead of plunging in and scribbling down a list of

potential search words and phrases yourself, ask for words

from as many potential customers as you can. You will most

likely find out that your understanding of your business

and your customers' understanding is significantly

different.

The consumer is an invaluable resource. You will find the

words you accumulate from them are words and phrases you

probably never would have considered from deep inside the

trenches of your business.

Only after you have gathered as many words and phrases from

outside resources should you add your own keyword to the

list. Once you have this list in hand, you are ready for

the next step: evaluation.

The aim of evaluation is to narrow down your list to a

small number of words and phrases that will direct the

highest number of quality visitors to your website. By

"quality visitors" I mean those consumers who are most

likely to make a purchase rather than just cruise around

your site and take off for greener pastures. In evaluating

the effectiveness of keywords, bear in mind three elements:

popularity, specificity, and motivation.

Popularity is the easiest to evaluate because it is an

objective quality. The more popular your keyword is, the

more likely the chances are that it will be typed into a

search engine which will then bring up your URL.

You can now purchase software that will rate the popularity

of keywords and phrases by giving words a number rating

based on real search engine activity. Software such as

WordTracker will even suggest variations of your words and

phrases. The higher the number this software assigns to a

given keyword, the more traffic you can logically expect to

be directed to your site. The only fallacy with this

concept is the more popular the keyword is, the greater the

search engine position you will need to obtain. If you are

down at the bottom of the search results, the consumer will

probably never scroll down to find you.

Popularity isn't enough to declare a keyword a good choice.

You must move on to the next criteria, which is

specificity. The more specific your keyword is, the greater

the likelihood that the consumer who is ready to purchase

your goods or services will find you.

Let's look at a hypothetical example. Imagine that you have

obtained popularity rankings for the keyword "automobile

companies." However, you company specializes in bodywork

only. The keyword "automobile body shops" would rank lower

on the popularity scale than "automobile companies," but it

would nevertheless serve you much better. Instead of

getting a slew of people interested in everything from

buying a car to changing their oil filters, you will get

only those consumers with trashed front ends or crumpled

fenders being directed to your site. In other words,

consumers ready to buy your services are the ones who will

immediately find you. Not only that, but the greater the

specificity of your keyword is, the less competition you

will face.

The third factor is consumer motivation. Once again, this

requires putting yourself inside the mind of the customer

rather than the seller to figure out what motivation

prompts a person looking for a service or product to type

in a particular word or phrase. Let's look at another

example, such as a consumer who is searching for a job as

an IT manager in a new city. If you have to choose between

"Seattle job listings" and "Seattle IT recruiters" which do

you think will benefit the consumer more? If you were

looking for this type of specific job, which keyword would

you type in? The second one, of course! Using the second

keyword targets people who have decided on their career,

have the necessary experience, and are ready to enlist you

as their recruiter, rather than someone just out of school

who is casually trying to figure out what to do with his or

her life in between beer parties. You want to find people

who are ready to act or make a purchase, and this requires

subtle tinkering of your keywords until your find the most

specific and directly targeted phrases to bring the most

motivated traffic to you site.

Once you have chosen your keywords, your work is not done.

You must continually evaluate performance across a variety

of search engines, bearing in mind that times and trends

change, as does popular lingo. You cannot rely on your log

traffic analysis alone because it will not tell you how

many of your visitors actually made a purchase.

Luckily, some new tools have been invented to help you

judge the effectiveness of your keywords in individual

search engines. There is now software available that

analyzes consumer behavior in relation to consumer traffic.

This allows you to discern which keywords are bringing you

the most valuable customers.

This is an essential concept: numbers alone do not make a

good keyword; profits per visitor do. You need to find

keywords that direct consumers to your site who actually

buy your product, fill out your forms, or download your

product. This is the most important factor in evaluating

the efficacy of a keyword or phrase, and should be the

sword you wield when discarding and replacing ineffective

or inefficient keywords with keywords that bring in better

profits.

Ongoing analysis of tested keywords is the formula for

search engine success. This may sound like a lot of work -

and it is! But the amount of informed effort you put into

your keyword campaign is what will ultimately generate your

business' rewards.