This may sound a little strange, but there are actually ways that you can convert your taxable income into non-taxable income. You can also do this without worrying about getting audited by the IRS.
This is one of my favorite ways of dong this: Although this has been a part of our federal income tax code for over 30 years, many people still don’t take advantage of it. So what is it that I am referring to?
The IRA — Individual Retirement Account.
I can hear many of you say right now, “Oh, I know all about that one; what’s so great about an IRA?”? Just give me a little time, and I’ll explain three new benefits that the IRA rules have that you may not know about:
BENEFIT #1: How To Avoid Tax Rather Than Postpone Tax
First. There are actually now two kinds of IRA’s available.
The so-called Traditional IRA is the one that first came out way back in the 1970’s.
But there’s a newer version of the IRA that’s only a few years old. This one is called the Roth IRA. And the difference between these two IRA’s is very significant.
Your traditional IRA contributions are tax-deductible, which result in immediate tax savings. The growth of those contributions is also tax-sheltered while the funds remain in the account, but after some time all tax-deductible Traditional IRA contributions, as well as the growth of those contributions, will be subject to income tax when the money is withdrawn from the account.
In other words, Traditional IRA’s offer the opportunity to temporarily postpone taxes.
On the other hand, the Roth IRA offers the opportunity to permanently avoid taxes. With a Roth IRA, you don’t take a deduction for your contributions; instead, you make a contribution with “after-tax” dollars.
Whatever you put in not only grows tax-free, but can also be withdrawn tax-free.
Let me show you an example to demonstrate what I am saying:
Let’s say that you invest $2,000 per year for 20 years into a Roth IRA. At the end of twety years, you will have invested a total of $40,000. Now if that Roth IRA earns an average of 10% per year, that $40,000 will grow into $126,005.
Here is the interesting part: If we assume that the IRA has existed for at least five years, and you are at least 59 ½ years old, you can withdraw the entire $126,005 without paying tax.
On the other hand, if this money had been invested in a Traditional IRA, the entire $126,005 would be subject to income tax when it is taken out.
The $86,005 of growth is magically converted from taxable income status to non-taxable income status. Let’s assume that you are in the 15% federal tax bracket. You could possibly be saving $12,901. If you add whatever state income tax you might have, you could save over $15,000 in taxes.
BENEFIT #2: You can also take An Extra 3 ½ Months To put money into Your IRA.
The deadline for contributing to your IRA is April 15 of the year AFTER the year for which the contribution made.
So for Year 2015, you have until April 18, 2016 to fund your IRA.
If you’ve already invested the maximum (more about that in a moment) by December 31, 2015, then there is no more to do. You can’t put in any more money into the IRA for 2015, but if you haven’t maxed out your IRA, you have until April 18 to do that.
This brings me to:
BENEFIT #3: The Maximum Contribution Amounts have been increasing f
or many years. The most you could put into an IRA was $2,000. Now, the maximum is $5,500. (This assumes that you have at least that much earned income from wages or self-employment income).
And if you are over 50, you can put in another $1,000, bringing the total maximum to $6,500.
A married couple, both age 50 or older, can put a whopping $13,000 per year into a IRA. Not too bad if I say so myself.
Here is a final point about the Roth IRA rules: For a married couple, you can only contribute the maximum of $5,500 or $6,500 if your combined income is less than $183,000.
If you are single or head of household, you can contribute the maximum if your income is less than $116,000.
For most of us who are considered to be in the middle-class who are looking for a perfectly legal way to permanently avoid tax (rather then merely temporarily postpone tax), the Roth IRA is exactly what we need.
How do you get started on this? Well this is the hard part. Let’s examin how to actually implement this tax avoidance strategy.
“We’d like to save as much as we can for our golden years. But $11,000 a year? It’s hard to put aside that kind of money. We need every dollar we make just to pay the bills.” This could be your situtation, but a tax advisor or fund manager might find it easy to lecture you on why you should do it anyway. Realistically though; You’ve got to begin at some point, and you’ve got to start saving something, don’t you?
If you’d like to save for retirement, but think you can’t, it may be because you need to learn how to budget your money correctly. Also learn about other ways to boost your retirement income, check out this website:
Learn from this resource or other sources and go for it!
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What Is The Future Of Search Engine Optimization (SEO) For Us Internet Marketer Websites?
It is nearly impossible to predict what the next phase is on the internet of what
the future of the World Wide Web has in store for internet marketers.
This can be exciting of frightening, depending on your outlook.
Computers can either positively benefit us in the future, or ruin human existence by becoming too smart for their own good.
Only the future can tell and it is not far away. Google seems to be the largest dominator of the internet and what they do or say seems to become
web standards. What this means for internet marketers, is that you have to stay up-to-date with Googles changes
to the search engine rankings and how they impact your website.
You must change your approach and adapt to succeed in the future of the web and SEO.
Looking back over the past few years, a significant change is the inclusion of
maps, local business listings, videos, real time Twitter feeds, and more.
As we keep looking at the search results they are constantly changing, adding new features,
and look different. This can become frustrating and cause a big headache for search engine optimization specialists and
internet marketers, who make their living by providing top organic search results
for clients. Another big change that has taken over SEO is social media and the impact it
has over the web. Social media allows companies to interact with their customers,
giving a face behind the company.
This establishes trust and shows that you truly care about your customers.
Twitter, Facebook, and LinkedIn have claimed their spot as the
top social media outlets in 2010. In the upcoming months this can easily change and shift.
So what does all this have to do with search engine optimization for all you internet marketers reading this article?
Well, search engines play a big role for internet
users. Search engines are the starting place for anyone who needs to find an answer to something they are unsure of.
Having a properly optimized website for the search engines
can make an company a successful company. Staying up to date and
ahead of the competition when it comes to SEO can give you
that competitive advantage you seek. SUMMARY:
SEO has played a big role in the strategies of internet marketers and
business owners. So what does the future of search engine
optimization have in store for us? About The Author Brandon Leibowitz is a professional internet marketer.
He has been involved in a search engine optimization and marketing consulting company with over five years of
industry knowledge.
From handling new campaigns for print collateral is preparing
to launch new products or services, marketing personnel’s time to
spread very thin. In addition, our skills and your marketing department is in the technical aspects of
web design and search engine optimization? Do they have the
time to become well-versed? Do they have sufficient internal resources?
Often, the answer to both questions is no, they do not.
Well, the responsibility falls on someone outside or your marketing department.
Who’s who and why are they responsible for your SEO program?
To give interested parties a new “project of the month,” usually result in another tick off
their monthly to-do list and frustration by senior management on their
website is why not produce results sales.
From a business standpoint, it makes sense to try to mobilize
domestic resources to maximize your company’s productivity and profitability – whenever possible.
However, there must be a line drawn in the sand between what your
organization’s capabilities are and what they are not.
As you can see, there are no more search engine optimization than meets the eye.
In order to implement and maintain a SEO program, you must acquire the knowledge,
skills and resources. This can be done by hiring a professional search engine optimization of
the company. Professional SEO Companys have devoted their resources and experience to support your company’s web marketing initiatives.
Now days, many online firms are contributing for the same by following the path of SEO marketing.
Chicago SEO Services are worth acknowledging here as for a long time this particular organization has been catering to the needs of
those customers who are really willing to have an outstanding business.
It claims to pave the road to the ultimate success that every particular
firm aspires to attain ultimately. Team at
this local SEO Company Chicago works in the association with
the professionals working there to provide the customers with the best possible results.
Here every organization gets nationally and internationally acknowledgement as far as SEO promotion is
concerned. Customers are hardly able to distinguish between the fake and genuine one.
Chicago SEO Services are actually the real one
as wasting the money and time of their customers is not at all of their business and here the main aim is to ensure the perfect results.
Online marketing is getting the hold over personal marketing as well due to forgery and bogus activities involved in it.
As people are developing attention for fair business practices there is no
doubt in the fact that online SEO forms are the best options to be relied upon. Here at Zoiden, professionals claim to reduce
the risk that is usually involved in promoting a business. Customers are first asked about their preferences and
then the strategies to promote are made afterwards.
In order to increase the traffic at a particular website, it is made sure that appropriate keywords are placed so that website traffic can be maintained.
Every client is provided a provision to get avail to its services within their specific budget only.
Apart from that, they receive a weekly report of whole process so that step by step usage of their money can be justified in order to ensure their satisfaction level.
There are many customers out there who have lost trust in online marketing
but SEO Company Chicago has somehow been able to earn their faith and more importantly
it aims not to let customers’ money go waste. They are
paid dividend for every single penny they spend and then it is made sure that
they are able to produce future references as well.
When it comes to redesigning a website most of us tends to focus on creating a site that is highly
appealing and usable. Although it is essential to focus on these
aspects to ensure smooth functioning of your business. But you should not ignore the
most important part of the website designing process,
i.e. SEO (Search Engine Optimisation). As it is the most important process which will
improve the visibility of your website to a wide group of audience in the world.
First, let’s understand why SEO is important
for a website? When redesigning your website the
main focus should revolve around the SRO so you can avoid the huge
problems later on.
Basically, the design aspects of your site, structure, meta description and everything between them relate
to your search engine optimisation. So, if you try to
neglect any of these attributes it can damage your rankings on Google
search engine. Along with all your time and money that you invested in redesigning
your site will go waste. During the process of redesigning your site,
you should not assume it as a process of complete renewal instead think it to be a
good tune-up. Therefore, you will need to analyse some important
factors that can affect the performance of your redesigned site.
When searching about a product or service people usually
use keywords. You can use Google AdWords to find out the commonly used keywords
for your specific products or service. You can include these keywords
in the content on your website to describe your services or products.
However, if you keep on using certain keywords again and again, the Google will take it as keyword
stuffing and your Google ranking will take a significant hit.
Generally, a site with good content means that it will rank better on search engines As Google is always looking for websites with high quality and relevant content.
The URLs used by the search engines help them to understand what
your website is about. If the content on your site’s URL is not relevant or longer, you will need
to restructure your site so that the search engine bots can understand it better.
This way Google will be able to see the words in the URLs as separate words instead of a group of words linked
together. It will help you to rank better than the sites
which use similar terms in the search engine results pages.
When you use underscores, the words will be visible as a group of connected words to
the Google. Website with responsive designs can be easily
used on a smartphone or a tablet.
This makes the browsing experience of your prospective users very enjoyable as they can get access to your site
from any device. A user-friendly website also gives a boost
to your search engine rankings. It enables the bot to easily crawl through the pages of your
site and index them to a suitable URL. After you have done all the changes in your site it is important to let the Google
know about your redesigned site. You can use Google Webmaster
Tools for this and it will also reduce any future problems with the search engine.
Make sure to inform Google by using the “Change of Address Tool” option, when you move domains.
The changes will remain in effect for about six months and your new web design would be indexed till then.
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How Much Should You Charge For SEO? 3,000 per month.
Quite a hefty sum! But as a freelancer, how much should you charge and how should
you outline your SEO strategy? SEOYou must have heard about SEO a lot but did you know how SEO
is the absolute base of starting a successful business?
SEOHealthcare is very much based on the doctor-patient relationship as well
as the treatment that patients get from the doctor. The good treatment
increases the rapport of a doctor, and it is the source of word-of-mouth
marketing for the practitioners. SEOThis is true that the real estate industry requires a lot of offline meetings, but the fact
cannot be denied that like all other fields, a great role of the internet can be
witnessed here also.
As a matter of fact, the internet is the
source wherefrom the hunt for properties starts for a number of people.
SEORegardless of your business industry, the goal of every website is the same; to
transform visitors into paying customers, or at the very
least, interested buyers. The most crucial pages of any website
are the landing pages. SEOAlong with on-page content, backlinks play a
critical role in determining search engine rankings. High-quality
backlinks are hard evidence to Google that your site is reputable and the links also
serve as an avenue to additional visitors, that have the ability to become customers if the correct methods are employed.
Do 404 Errors Damage Your Search Engine Rankings? SEOThe local segmentation and
understanding the basic local keyword helps in analyzing the needs
and to provide exactly what the customer expects.
It is based on the simple concept “think from customer’s shoes”.
Being in the same local, living the same kind of lifestyle helps in understanding the customer with empathy, which enables designing
the products and services accordingly. ]’, you’ll see a section of the page – either at the very
top, or directly beneath the ads, that are dedicated to 3 businesses from the location that you specified in your original search
query. How to Get the Most out of Your LinkedIn Ads?
What are the Pros and Cons of Custom Made Furniture?
What is a search engine optimization? It is the most
important as well as necessary aspect of website design. What is a search engine optimization? It
is the most important as well as necessary aspect of website design. Some people have no known how about the process
of optimization and makes many commercial websites .some information are necessary for the designing of
a website for the search engine. The most important point to
be kept in mind that a search engine only index text.
Well images are not indexed by them. Similarly flash is not indexed well by
them. Only some cases are exceptional .Every search engine shows result even on a little bit change.
Thats why a lot of small things are suggested to
do carefully while designing or redesigning a site for the gain of ester
ranking in your engine.
Like all other works it is not a magic that you may reach to the top of
the work in a while. It takes a little time to reach on the top of a search engine for your website.
On the other hand it depends on your interest, to what extent you are
caring about the small points told to you. You may select the best keywords
that must be relevant to your web page. You have
the option of optimization not only a single page but you must optimize on the other pages too as you
see in cases of other websites.
If you sell different products then you can use different pages.
A page must be optimized only for a single product and for the next product you have the next page of your website.
Simply we can say that though the instructions related to optimization are simple and small but
there is bunch of these small things that will add the excellent placement in the
search engine. One may adopt these things in a short period of time and this way of organization of a website is adopted
forever. For the best affect it is suggested that the optimization must be done on at least a dozen pages of your web site.
The pages on which you have no public content there is no need of optimization on these pages.
Recently Kelci asked me over on my Facebook Page about SEO for idiots.
I decided to do a full post on it (isn’t she lucky?) because
it is such a cool and expansive topic. So what exactly was her question? Found your
blog the other day and have learned MUCH more than the previous 100
blogs I had found combined. I see that you have an article about
SEO secrets below but I was wondering if you can direct
me to like an “SEO for idiots” type of thing… I really need to understand the basics.
So here you go Kelci, here are the 10 basics of blogging search engine optimization.
Oh, and this isn’t really for idiots. None
of my readers are idiots. And if you are learning about
SEO so you can grow your blog you are a long way from being idiotic.
Follow this guide and you’ll be well on your way to getting over 100,000 visitors
from Google per month. Disclosure and quick interruption –
I recommend SEMrush for anyone who wants to analyze their own or their competitors links, keywords, and so on. This is an affiliate link
so I’ll earn a commission at no extra cost to you if you make a purchase.
Thank you for the support!
Let me start by giving you a crude example of how Google
SEO works. Google has developed automatic algorithms that
rank your site. They send out what are called “spiders”
to “crawl” your site and check it for over 100 indicators that determine whether your site is valuable
or useless. SEO is the art of making sure those
spiders are happy with what they find. It is an extremely complex field that is constantly changing but in all that chaos there are a few constants that have remained true since the beginning.
I’ll talk about those here. As always guys and gals, if you have
any other tips please leave me a comment and add to the
fun.
I absolutely love reading the huge comment-essays that you all tend to
write. The first thing that beginners need to know is that you
need your own domain and hosting. Free blog set ups do not do any favors for your SEO
efforts. Many people speculate that if you were really serious about your website you would get your own name and host it yourself.
And Google only wants to point to websites that are considered
serious and trustworthy and so this is a very basic signal.
I recommend all new bloggers get their own domain and hosting
setup right from the beginning. You have to remember that Google’s whole purpose
is to provide their customers with relevant and useful search
results. Everything they do is built around
the premise.
And, to be realistic, the most important thing
you can do for your SEO is create massively useful content that solves people’s problems.
If you are solving problems that people are searching
for then it is likely that you are going to get
shared on social media and ranked in Google. The phrase “original content”
means so much more than just blog posts nowadays.
Here’s a big guide to finding images for your blog that talks about
why you need original images and photos and how to use
them to your best advantage.. Make tutorials or
do video posts with your webcam. This builds links and traffic from YouTube and does well
on mobile devices.
Tunes is growing fast as people get better smart phones and spend more time plugged in. You can check out my podcast right here.
If you can develop an original tool and install it on your website you can be
assured of top Google rankings for a long time. Google absolutely loves tools and
helpful plugins that people can use in their lives. The idea is to
build a relationship with your readers by helping them out.
This will mean more sharing and faster results on the
SERPS (search engine rankings positions). But you also want to make sure that the content that you are producing
is different in some way. If you take a look at the front page of Google you’ll see that all the results
are slightly different and you need to try and cater to that.
For example, we added a blogging quiz on this post about starting a blog as a way to give readers bonus information. That post also
contains infographics, videos and other resources as a way to give
people as much value as possible. This helps to attract more links,
which leads us into the next section. If you are just getting started with SEO you might know a little
about backlinks and why they matter. A backlink is when another website links back to your site from their site.
Not all backlinks are created equal though. You can use a
tool like SEMrush (aff) if you want to see who is linking to you and who is
linking to your competition.
I once heard about a guy who was the head SEO guy for an investment company.
He bought some cheap backlinks on a domain name with millions of dollars and got the thing banned
from Google. Never buy backlinks. Google is on to them. The blog that is giving you the backlinks makes a huge difference.
If it is an old domain name with excellent rankings
itself then the backlink counts for more. One good link from an authority domain name (.edu and .gov
ones are amazing) and your rankings change more than hundreds of little ones.
The anchor text is the words that are used as the link. For example, in the paragraph below you’ll see the words “a blogging strategy” are highlighted as the anchor text for that link.
It used to be that you’d try to make the anchor
text match the keywords that you’re targeting but
this has all changed in the last few years as you can read about in this post about guest
blogging. As mentioned, the best way to build quality backlinks is to write amazing
quality content and then guest post on the best blogs
in your niche. Here’s a blogging strategy that has worked well for me.
Remember, backlinks to your OWN content is also really important.
See how many links I have to my own articles in this blog post?
This is the topic of a whole series of posts so I’ll keep it brief.
Think of SEO as having two components: the off-site stuff
like social media and backlinks and the on-site stuff like optimizing your theme.
Optimizing your theme is important because it helps give Google indicators that you are a trustworthy site.
It also helps Google find your content. If your blog
is not mobile responsive you will be losing a lot of visitors as Google prioritizes mobile sites
for people searching on smartphones. Make sure your theme is coded to
ensure it’s easily read by those Google spiders that are
looking to see whether you have all the elements of a good website included.
A fast loading site is good for user experience and thus good for Google.
Make sure your theme is pulling its weight and loading quickly.
You can check out its speed here. You can use cache
plugins to help speed things up. It’s really important now to have a secure SSL domain name for you blog
as Google has indicated that they will be placing secure domains above insecure domains in the event that two websites are
of equal value. Try to get on this one as soon as possible.
Some people disagree but I still reckon that my original themes do better
than themes that thousands of other people are using.
A newly developed and original site also comes with dozens of
other benefits. Make sure you clean up any broken links and make
sure your navigation all works smoothly.
Having a well designed theme is also important for your brand.
Separating yourself from the competition is a very important thing to do as it will help people remember your site and associate certain feelings with
it. Permalinks are how people locate your blog and its internal posts
and pages. They are made up of a root and an extension. Now,
it is very important to have a good permalink structure.
PERMALINKS and tweaking the options. The best option to
have in there, in my opinion, is just the post name.
However, even better than that is to research what keywords you are trying to
rank for and then shorten your URL to match those keywords.