Important SEO Steps to Gain Higher Rankings For Your Website

A right SEO strategy implemented in right direction can drive real traffic to your online business. As per this fact, more and more businesses are looking forward to consult SEO experts for building a working SEO strategy for their businesses.An SEO strategy includes enormous number of opportunities / marketing campaigns that best suit your business promotion to bring your website to the top of the search engine.However, there are certain timeless SEO strategies that always come in useful and would prove to be the preeminent strategies in the online marketing of your business and to gain higher ranking for your site:Keyword Usage: Think like a CustomerDo not target a keyword for SEO just because it seems right to you or because that is how you want your visitors to think, instead, think like your customer, review statistics and keyword research tools to find the keywords with higher search volumes and make sure to finalize your list of most productive keywords to target. You can make use of popular tools such as Google Analytics to see what customers search when they need a service like yours and target the keywords with high search volumes and low competition to get the complete benefit of SEO services. If the customer will find exactly what he wants, your business will get maximum traffic and better sales.Write Proper Content:After getting an appropriate keyword, how you use it will define the amount of traffic you will get. A relevant, grammatically correct and apt SEO optimized content not just impress the major search engines, but also encourage various websites to link to your pages that increases your search engine ranking. Updating the content is also a major part of SEO strategy for attracting valuable traffic to your business. Create a blog or just add on interesting and relevant articles on your website. You may rely upon your SEO Company being hired for the content optimization, content creation and blogging. Visitors like fresh and usable content so they will visit often to your page, which may lead to additional links to your content and ultimately result in higher traffic.Build your links with other sites:A website gets more attention if it is properly linked to various “well reputed” sites. Just getting thousands of inappropriate links will not do much in driving traffic to your sites. Make sure to target relevant, quality sites or directories that are useful and rank well on search engines to get a link back from them. Few link directories might let you submit for free but most require a fee. While, paying for various directories can be expensive it is smarter to hire professional SEO company to get quality link building in reasonable prices.Although, these are some of the timeless SEO strategies but SEO is kind of a guessing game especially with the search engines altering their ranking algorithms constantly.

The Differences Between a Commercial Mortgage and a Residential Mortgage

If you have ever wondered what the differences are between commercial mortgage and residential mortgage then here are some of the most obvious differences that you will find when trying to obtain a commercial loan.Loan AmountsThe most obvious difference is that conventional loans are about $417,000 and Jumbo Loans usually go from $417,000 up to $2,000,000. Commercial mortgages can go into the 10′s of millions. A $5,000,000 commercial mortgage is very common.Higher Down Payment RequirementsWhen you buy a single family residence you may put down as little as 3.5% with a Government backed Loan. Commercial Loans require that you have at least 25% to put as a down payment. Down payment requirement may be higher if the property is not in the best condition.Debt Ratio versus Debt Service Coverage RatioA single family mortgage requires you to qualify with a debt to income ratio or a percentage of your gross monthly income to qualify. A commercial loan use Debt Service Coverage Ratio. Unlike a home loan a commercial loan allows you to use the monthly income you gain to qualify. The D.S.C.R. is the total monthly income that a commercial property earns divided by the monthly mortgage payment.Example: An apartment building earns $6000 per month and the mortgage payment is $3800. If you divide the two you get $6000 / $3800 = 1.57 D.S.C.R.Lender requirements vary but most lenders will require D.S.C.R of 1.25 or higher to qualify.Higher Closing CostsOne of the most obvious differences is that you will spend more money in closing costs. One example is the property appraisal. While most residential appraisals can run around $350 an appraisal for an apartment building can run from $2500 to $5500 and this can vary significantly from one type of property to another. In addition each lender may require additional reports that can vary from $50 to $5000.Payment TermsResidential Loans have term that vary from variable rate loans to 30 or 40 year fixed rates. Commercial loans are limited to balloon loans with variable rates. A balloon loan is amortized like a traditional loan but must be paid back in a few years. For instance a loan will be fixed at 5% interest rate for five years then at the end of the five years adjust to current interest rates. The balloon feature may require you to pay off or refinance the loan at the end of 5, 10, 15 years. It is very unlikely that you will find a 30 year fixed rate commercial mortgage and if you do the rate may be significantly higher than a 5 year balloon loan.Rates Based on Property QualityA lot of lenders will base your final interest rate on the quality of the property being finance. So a property in good condition will get a competitive interest rate while a poorly maintained property may end up with a rate as much as 2.0 basis points higher.DocumentationResidential mortgage loans usually require proof of income and credit reports. Commercial Mortgages require much mores such as:rent Rolls, profit and loss statements, operating statements.

Shoe Repairs And Several Other Things When I Was 7

Shoe Repairs And Several Other Things When I Was 7
My Dad repaired most of our shoes believe it or not, I can hardly believe it myself now. With 7 pairs of shoes always needing repairs I think he was quite clever to learn how to “Keep us in shoe Leather” to coin a phrase!

He bought several different sizes of cast iron cobbler’s “lasts”. Last, the old English “Laest” meaning footprint. Lasts were holding devices shaped like a human foot. I have no idea where he would have bought the shoe leather. Only that it was a beautiful creamy, shiny colour and the smell was lovely.

But I do remember our shoes turned upside down on and fitted into these lasts, my Dad cutting the leather around the shape of the shoe, and then hammering nails, into the leather shape. Sometimes we’d feel one or 2 of those nails poking through the insides of our shoes, but our dad always fixed it.

Hiking and Swimming Galas
Dad was a very outdoorsy type, unlike my mother, who was probably too busy indoors. She also enjoyed the peace and quiet when he took us off for the day!

Anyway, he often took us hiking in the mountains where we’d have a picnic of sandwiches and flasks of tea. And more often than not we went by steam train.

We loved poking our heads out of the window until our eyes hurt like mad from a blast of soot blowing back from the engine. But sore, bloodshot eyes never dampened our enthusiasm.

Dad was an avid swimmer and water polo player, and he used to take us to swimming galas, as they were called back then. He often took part in these galas. And again we always travelled by steam train.

Rowing Over To Ireland’s Eye
That’s what we did back then, we had to go by rowboat, the only way to get to Ireland’s eye, which is 15 minutes from mainland Howth. From there we could see Malahide, Lambay Island and Howth Head of course. These days you can take a Round Trip Cruise on a small cruise ship!

But we thoroughly enjoyed rowing and once there we couldn’t wait to climb the rocks, and have a swim. We picnicked and watched the friendly seals doing their thing and showing off.

Not to mention all kinds of birdlife including the Puffin.The Martello Tower was also interesting but a bit dangerous to attempt entering. I’m getting lost in the past as I write, and have to drag myself back to the present.

Fun Outings with The camera Club
Dad was also a very keen amateur photographer, and was a member of a camera Club. There were many Sunday photography outings and along with us came other kids of the members of the club.

And we always had great fun while the adults busied themselves taking photos of everything and anything, it seemed to us. Dad was so serious about his photography that he set up a dark room where he developed and printed his photographs.

All black and white at the time. He and his camera club entered many of their favourites in exhibitions throughout Europe. I’m quite proud to say that many cups and medals were won by Dad. They have been shared amongst all his grandchildren which I find quite special.

He liked taking portraits of us kids too, mostly when we were in a state of untidiness, usually during play. Dad always preferred the natural look of messy hair and clothes in the photos of his children.