Reputation management has the stated purpose of protecting a company’s reputation or individual from the effects of negative press. Whether or not this is true, it is certainly the mission of organizations and individuals to protect their reputations from the hordes of negative feedback. Given that the internet is potentially a perfect venue for this action, a person becomes subject to a lot of scrutinies. If negative reviews are false or are posted by individuals with malicious intent, the damage can be done. Given these acknowledged, two issues deserve discussion here. Both are related to the science and art of SEO (search engine optimization). Art versus SEO Redirects vs. Conversions hours of video ad creation vs. editing.

Social Media is beginning to be a valuable tool for the brand owner as well as the journalist. While some positions seem to be relatively secure, others are in constant flux. This is normal for any media environment, and the areas in which you can find jeopardy are always changing. As a brand owner, you should know where your reputation is and what can be done to keep it.

Natural Link Building Organic links are often the best links to have. If you expect to do well on any search engine, you must dominate the significant results of all of the important keywords you have chosen. For this reason, the Organic SEO techniques that you implement should be carefully thought-out and produce results. Over the last few years, the main search engines have gotten smarter at spotting techniques that are less than ethical and have limited the results they show for natural products. If your methods include large volumes of low-quality links, you run the risk of being banned by the major search engines, which can spell instant disaster for a business.

Link Building is a tricky aspect of search engine optimization. Although it can be complicated to achieve, it is not impossible. Some SEO consultants advise that webmasters forgo efforts at natural link building and put more effort into link development. By doing this, it will be easier to get Google to rank your website for your targeted keywords. Although direct website links may be the best way to improve your search engine ranking, it is also far easier to get a vast amount of backlinks by purchasing links. Various service providers offer to build high-quality links for you. Before making these final sales, however, you should ensure that your SEO consultant fully understands the theme and your project’s goal.

In cases where you need the Maps APIs to like a specific type of feed or updating the way your data is displayed, you can limit what types of Maps API requests you make by specifying the feed style. For example, you can select “motorcycle” as the type of feed so that you do not receive data for a cycle other than motorcycles (“motorbike” feed). These requests are referred to as Map imperatives.

Google’s Maps API (Ajax application) XML and JavaScript are, in-fact, Javascript or PHP. XML is proxies hosted at a data repository that modules against. Whenever a request is made to a source, an Action (Implements in Java), the server receives a string containing the requested data. Maps can be serialized using code to create the Maps, especially for methods handling user registration, map searches, etc. The Maps may be a re-implementation of collection, modifying the same to take advantage of particular value structures, in this case, the Maps being a collection representing some type of data (e.g., the anthology containing Google Map objects for other aspects).

Because the Maps API uses URLs as arguments for calls to external services, the amount of data to deal with can be significant. For example, in the case of a Maps platform with a down-loading time, you may need to generate lots of XML transcripts and similar files to compress the resulting Maps package. This takes a lot of time when you would have the same information generated by a Maps API in the simplest way to us anyway! Another interesting requirement is in the case of Page or application view logs which are done by applications that run on different machines, e.g., Outlook on Windows or another HTML script on Linux’. The first browsers get a full view of the logs, the second just some of the log pages or sections of the log, which cuts off the information that is not monitored. This certainly causes a problem if you need to view a particular page that has suddenly gone out to thousands of users.

There are many other advantages and disadvantages of this service; however, the ones mentioned above can be addressed by either page caching or caching the generated resource. For example, you can specify a file on a server to be preloaded into memory when it is called. This means that the file and the function combine as the next request happens, so you need to check (indirectly) the Maps cache (if any) to find the final results and then need to call the function again.

Minerals, which call Lycosernet, are very sophisticated, building free-of-charge maps with maps between 2 and 100 million objects populated with billions of points, all capable of planning your vacation. To run Java Map API, you may need to pay some server. Post, which can be as much as 30 dollars per month. While this is a costly example – provided that you service users with an easy reach control panel and have the potential for the web-scale and plenty of internal resources. you will avoid the full or partial loss of the help before you are justified on a big scale event. A personal Google Map engine has grown in popularity over the last few years, with millions of people uploading, playing, using, and improving the great Google map product.

One of the nicest investments you could ever make for your house in San Diego is to completely replace your old, drafty doors and windows. With the suitable new doors and windows, your house will surely gain from improved energy efficiency and increased property value. And better still, gorgeous new sliding glass doors and window replacements may greatly compliment and improve your distinctive home design for years to come. Obviously, to get the perfect match, you will have to hire San Diego windows replacement specialists that are skilled in fitting all types of windows and doors. So how can you pick the right company?

– First, examine the standard of the job. A fantastic company will flaunt its extensive assortment of local and imported windows, doors and shutters so it is easy to compare prices and quality. What’s more, reputable window replacement San Diego companies have their own showrooms where you are able to see and measure every one of their goods and discuss the job personally. You can bring your own samples and have them quantified by a local San Diego technician. The most reputable companies have highly trained technicians that understand how to properly fit each item.

– Next, look at the window replacement San Diego price list. Compare the characteristics and materials used for every item, as well as the installation expenses. Make sure that the price list includes the installation fee, which is typically not included in the initial quote. It’s common for some companies to bill additional installment fees when labor is added on to the bill. Look for a home window replacement cost that does not include additional hidden charges.

– Check the warranty policy. Your San Diego window replacement window installers’ warranties will often cover any defects in workmanship and materials used throughout the installation process. However, it’s necessary to be aware that even the best warranty isn’t a guarantee that you won’t encounter difficulties. It’s also important to know what the window installers will do when there are defects or if the work isn’t done correctly.

– Always inquire about renewal references. Good window replacement San Diego firms ought to have the ability to provide you with at least three renewal references. Inquire about these references from many different companies. When you contact the references, ask about the installation process, quality of workmanship, the durability of the windows and terrace doors, and if they’d recommend the firm for your next installment. This will give you an notion of the quality of the job that the business supplies.

– After you receive your three references, take the time to call every one. Only accept renewal quotes which include a private phone number, or a website link which you can use to request a written quotation. Ask for a renewal price that includes a warranty on all vinyl replacement windows installations, the substances used, the quantity of labor billed, and the period of the warranty. All these are the only elements of a good vinyl window installation which needs to be included in a renewal cost.

If you find yourself with extra money at the end of the month or quarter after all of your expenses have been paid and you’ve made your regular retirement account contributions, congratulations! Now for the next question: should you be investing the extra cash, and if so how?

Following is a look at some of your options to help you decide the best course of action for your situation. But first, make sure that it is indeed excess cash and there aren’t any hidden or forgotten expenses lurking. If there are, devote the excess funds to these expenses first.

1. Establish an emergency fund. A study recently conducted by the Federal Reserve found that four out of 10 Americans don’t have enough money in savings to cover a $400 unexpected expense. This drives home the importance of establishing an emergency savings fund you can easily tap when unexpected expenses arise, such as a car or appliance repair.

Everyone’s situation is different, but many financial experts recommend saving up between three and six months’ worth of living expenses in case of a financial emergency. This would likely be enough not only to cover an unexpected repair, but it could also help tide you over if you lose your job or experience a significant reduction in income.

Keep your emergency cash in an FDIC-insured savings account, like a bank or online money market account, so you can withdraw funds quickly and without penalty when they’re needed. You won’t earn much interest but that’s not the goal with emergency savings. The most important thing is that the funds be kept safe and liquid.

2. Save for a short-term need. In addition to an emergency savings fund, you might also establish a savings fund for specific upcoming need. A car is a good example.

Instead of financing your next car, you could use extra cash to start a car savings fund. For example, let’s assume a monthly car payment of $400. If you put this much money in your car savings fund each month, in five years you would have $24,000 saved up to buy your next car. This could be enough money to buy a quality, low-mileage used vehicle or it could be a hefty down payment on a used vehicle, thus lower your car payments significantly. Beyond that, being able to pay cash means you have on less thing to haggle over when buying your car.

3. Invest in alternative investments. There’s a whole universe of investments that go beyond stocks, bonds and Treasury issues. Known as alternative investments, these include real estate, art and collectibles, hedge funds, private equity, precious metals, commodities and cryptocurrencies, among others.

Alternative investments can provide more diversification to your portfolio. They usually have a low correlation with traditional investments so they can help smooth out portfolio volatility. Some alternatives can also provide a hedge against inflation and a safe haven during times of economic uncertainty. As your net worth grows, alternatives can help you spread your assets out among a wider range of different types of securities, thus reducing volatility. One note of caution when it comes to alternatives – they are typically less regulated and can be more complex than investing in stocks and bonds. So, before you invest in alternatives, make sure you have a clear understanding of the investment.

4. Beef up your retirement savings. It’s never a bad idea to devote extra cash to a long-term financial goal like saving for retirement. If you haven’t maxed out contributions to your IRA, 401(k) or other retirement savings account for the year yet, consider putting your extra cash toward this.

In 2021, you and your spouse can each contribute up to $6,000 to a traditional or Roth IRA (or $7,000 if you’re 50 years of age or over), up to $13,500 to a SIMPLE IRA (or $16,500 if you’re 50 years of age or over) and up to $19,500 to a 401(k), 403(b) or 457 plan (or $25,500 if you’re 50 years of age of over). If you own a business or are self-employed, you can contribute up to $57,000 (or 25% of compensation) to a SEP IRA.

5. Pay down debt. If you have high-interest outstanding consumer debt, paying this down may be a wise use of excess cash. But how should you prioritize paying down debt vs. saving or investing the money? Start by comparing the carry on your debt to what you could earn by saving or investing the funds.

For example, if you’re paying 19.5% interest on outstanding credit card debt, it’s pretty obvious that you’ll be better off paying this down than putting excess cash in a money market account earning less than one percent. But the answer isn’t as obvious if you’re trying to decide whether to pay down a 30-year mortgage with a low interest rate or invest the money for the long term, where it could generate a higher return than you’re paying in mortgage interest.

It often comes down to how you feel personally about debt. Some people just have an aversion to borrowing money and want to avoid debt or pay it down as quickly as possible regardless of what “the numbers” say. On the flip side, leverage can be a powerful financial tool if it’s used wisely and responsibly and you’re comfortable owing money.

As fee-only financial advisors, we can help you analyze these and other options and make the best decision regarding what to do with excess cash based on your situation. Book an introductory call with us or send us an email if you’d like to talk in more detail.

https://www.minervaplanninggroup.com/2021/01/29/how-should-you-invest-extra-cash/

How to Calculate Your FERS Pension and Disability Benefits

As a federal government employee, you have access to the Federal Employees Retirement System, also called FERS for short. This system includes a pension as well as disability retirement program.

What is Your High-3 Salary?

To determine your FERS pension and disability benefits, you’ll start by making a calculation that’s referred to as your high-3 salary. This is the highest average basic pay that you earned during any three consecutive years while working for the federal government.

Basic pay includes your base salary plus any salary increases you receive from which retirement deductions are withheld, as well as shift rates and locality pay. It doesn’t include overtime pay, bonuses, military pay, cash awards, holiday or travel pay, or cost-of-living adjustments (COLAs). The amount of your basic pay is indicated on your Standard For 50 (SF50) and your Leave and Earnings Statement (LES).

For most federal government employees, the highest three years of basic pay are the last three years that they work. In this case, go back three years from the date of separation to determine the starting date for your high-3 salary calculation. If you have had breaks in service, the three years don’t have to be continuous — you can join two or more separate periods of service together.

For example, let’s say you plan to retire on April 1, 2021, and have worked for the federal government continuously since then. If the past three years were your highest earnings years of basic pay, the starting date for your high-3 salary calculation would be April 1, 2018. If your basic pay during these three years was $70,000, $75,000 and $80,000, then your high-3 salary would be $75,000.

Determining Your Pension and Disability Benefits

Once you’ve calculated your high-3 salary, you can determine the amount of your pension and disability benefits. The FERS pension calculation is as follows:

High-3 Salary x Years of Creditable Service x % Pension Multiplier = Annual FERS Pension

If you’re under age 62 on the date of separation or 62 years of age or over and have less than 20 years of federal service, your pension multiplier is 1%. Assuming a $75,000 high-3 salary, your annual FERS pension would be $14,250 with 19 years of service.

However, if you’re 62 years of age or over on the date of separation and have 20 or more years of federal service, your pension multiplier is 1.1%. Assuming a $75,000 high-3 salary, your annual FERS pension would be $16,500 with 20 years of service.

The pension multiplier is the same (1.1%) for the FERS disability calculation if you’re 62 years of age or over on the date of separation and have 20 or more years of federal service. But if you’re under 62 years of age when you begin receiving disability benefits, you will receive 60% of your high-3 average salary minus 100% of your Social Security benefit for any month when you’re entitled to receive Social Security benefits during the first 12 months. After this, you will

receive 40% of your high-3 average salary minus 60% of your Social Security benefit for any month when you’re entitled to receive Social Security benefits.

Once you turn 62, your benefit will be recomputed using an amount that essentially represents the benefit you would have received if you had continued working until the day before your 62nd birthday and then retired under FERS.

How to Increase Your Pension Benefits

The best way to increase your FERS pension benefit is to continue working past your earliest eligibility date for retirement if you’re able to do so. This will increase both your length of service and your high-3 salary.

Going back to our hypothetical example, let’s say this individual worked five years longer, giving him 25 years of eligible service. This also boosted his high-3 salary to $80,000, thus increasing his FERS annual pension benefit to $22,000.

Don’t miss this critical point: By working an extra five years, this individual increased his FERS annual pension benefit by $5,500. If he spends 20 years in retirement, this adds up to an additional $110,000 in pension payments.

Plan Carefully

Your decision about when to retire will have a lasting and long-term impact on your retirement finances. So give this careful thought and plan to spend time crunching some numbers before making a final decision. Book an introductory call or send us an email if you’d like to talk about your situation in more detail.

https://www.minervaplanninggroup.com/2021/01/28/how-to-calculate-your-fers-pension-disability-benefits/