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Why Consider Advertising Your Business Online?

Why should you consider marketing your business online if you are just a local business?

If you only serve local customers, like for example a local restaurant or a pest control company, you probably wonder why you should think about getting not just a web page, but a web page that gets you business. Can you get more business by marketing online or is online advertising just for the big boys?

The truth is that paper products as a means of information are becoming obsolete. Perhaps you have heard about major newspapers that are stopping the press and loading up the pages online.

This is because we live in a world where all of the information that you could ever want is right at your fingertips, including local information.

There are maps to show you how to get to your local grocery store, you can find out when your local farmers market is being held and you can even find a job online. So the questions is when a person is looking for your services, are they finding you online?

Ask yourself, ten years ago, would you have put your business in the yellow pages? If you think that you would have, then you need to have a web presence.

What does THAT mean?

It means that you need more than just a web page. You can get a web page for free in a lot of places. You need more than just a web page, you need it in the right spot, right out in front.

For example, you know that if you open up a restaurant, location is more than half the battle. The same is true for most businesses. Location, location, location. The Internet is the same, if you don’t have a good location, your web site is worthless. If your pest control business isn’t on the first page when someone types in ‘colorado spring pest control’ then your site is worthless.

Why?

Because you want new customers that don’t know you…yet. They can’t type in ‘freds fantastic little bug removing service’ because they don’t know that that’s the name of your web site!

A gorgeous site that isn’t on the first page is as worthless as a 5 star restaurant with no road to it.

So, there is no time like now to start your online advertising program. Remember, the sooner you get going, the faster you will start getting new customers.

3 Top Ways to Make More Profit With Internet and Online Business

Pros And Cons Of Home Equity Loans And HELOCs

A home equity loan is a loan based on the equity of your home. In a home equity loan, the lender shares a security interest in your home. If the loan is not repaid with interest, the lender can claim your home. Equity is the value of your home, minus any mortgages and liens.

The loan is available in two formats. The Home Equity Line of Credit or HELOC is offered like a credit card and permits you to draw money against the equity in an emergency. HELOC is available at lower interest rates. The other format of homeowner loans is the Home Equity Loan or HELOC. The interest rate of the loan is fixed with a set repayment schedule. The repayment term of a HELOC is usually limited to 20 years.

HELOC provides an easy access to money, without unnecessary formalities. These loans are made available at a favorable interest rate. Taking into consideration an applicant’s credit history and the prevailing interest rate, the applicant is offered home equity at a reasonable rate. Relatively inexpensive to obtain, a home equity loan can be used for any purpose, such as home improvement, college tuition, debt consolidation or buying a new car and even funding a vacation. However, HELOC is a second mortgage. The rate of a HELOC is higher than a fixed-rate first mortgage. This makes the loan riskier for lenders to recoup their investment. The higher rate of interest leads to the creation of a higher monthly payment.

On the other hand, a HELOC provides the applicant with more repayment flexibility and provides the appropriate amount when needed. The HELOC best serves short-term finance needs. It is the best assurance to availability of cash and can be covered within a few months after it has been incurred.

There are a number of disadvantages with HELOC. The rates of interest fluctuate with time. Private banks providing HELOC sometimes exploit the borrowers, regardless of age or gender. These lenders are even known to use abusive and exploitative strategies to recover their loans. Thus, it is necessary for loan-applicants to conduct thorough research before borrowing.