Archive for April, 2017

Five Financial Tips for Newlyweds

Recent research from Roy Morgan indicated that married couples experienced less incidence of stress, anxiety and other mental illnesses than any other type of relationship — even de facto couples. But try telling that to anyone who is going through the financial nitty gritty that comes with getting married!

You don’t just share your love with another; in many cases you are also sharing your savings accounts – and often debts, which can be an intimidating process. With this in mind, let’s have a look at some handy tips for newlyweds and how you can both be smart and stress-free with your finances.

You don’t need to go all in

While many couples do pool all of their finances together, it isn’t always necessary. What many people do is have a joint savings account, as well as each party’s individual account. Once your living costs are determined, you can decide to deposit a certain amount each week into this.

As you’re getting married, it is fair to say you and your partner have established trust, and will have no problem sharing funds in this way. Remember that a joint high interest savings account will also only incur one set of bank fees, which may be more appropriate for you than paying two sets of these with separate accounts.

Make the right considerations

While same sex marriage is yet to be approved on a federal level, many couples will have an inherent financial imbalance based on gender. The Australian Bureau of Statistics’ trend results for average weekly earnings found that the average weekly total earnings for men were $1,678.80. For women, this figure was $1,307.60.

If this is the situation in your relationship, consider talking through with your partner what each person’s contributions towards a joint credit card or your regular bills will be. It’s something that will be different depending on your exact situation, but is worth the discussion. It may also be worth chatting to your accountant about ways to make the most of a  benefit at tax time.

Settle on a common goal

Have you already purchased a home as a couple, or are perhaps considering a home loan to do so? Whatever your long term goals are, make sure you’re on the same page. Saving for a honeymoon may be one party’s goal, while the other may believe putting funds aside for a first home deposit is more important.

Open discussion about financial goals and a clear goal-setting scheme is key. You’re both in this together, and should work towards a common financial goal. This doesn’t mean putting your own dreams by the wayside, however. You can have your individual financial goals as well!

Update your insurance

Whatever your insurance policy or estate planning is before you get married, it will likely need to be updated now that your living situation has changed. Your will, power of attorney, insurance policy and superannuation contributions will all need to be looked at in a new light.

Your premiums may change too. This is all part of the process: Your budgeting is going to change significantly.

Consider your credit card options

Give your credit card a health check and see how yours stacks up to the competitors by using our credit card comparison tools. Many credit card providers give you the option of taking out a second piece of plastic for use by family members, which may mean paying fewer fees. When you get married, you may wish to take up this option so you both have access to certain accounts.

Getting married is a big step, and we’re sure you’ve thought through everything. But it doesn’t hurt to double check, especially when it comes to your finances. Set your goals together, compare savings accounts, incomes and goals, and enjoy a fruitful life achieving your dreams! And as always, don’t forget to shop around for the right savings account, home loan or credit card.

10 SEO Tools for Small Business

Search engine optimization (SEO) is a small business website’s best friend. From driving traffic by ranking higher on search engine results to maximizing content marketing campaigns and improving Web advertisements, SEO can help a business build its brand, expand its reach and, ultimately, increase revenue. SEO doesn’t just happen on its own, however. It requires meticulous planning and Web savvy to be effective. If you don’t know the first thing about SEO, don’t worry. Here are 10 SEO tools to help you understand and improve SEO for your small business.

What better way to improve your SEO than by going straight to the source? As the leader in search, Google offers several SEO tools for small businesses, namely:

  • Google AdWords — Find the right keywords to use based on search volume.
  • Google Webmaster Tools — Get access to detailed reports, website data and a library of resources to improve your website in Google Search results.
  • Google Analytics — Track if and how keywords are driving traffic to your website.
  • Google Trends — Discover what’s currently trending on Google Search and explore trend histories.

If you need help with SEO-friendly keywords, you can get thousands of keyword ideas instantly with a keyword suggestion tool such as Ubersuggest. Start with a single search term and use this free service to automatically find related keywords and keyword phrases to strengthen your SEO. Ubersuggest works by taking your base keyword and expanding it by adding letters or numbers based on real-life search queries. For instance, if your base keyword is “T-shirt,” your keyword suggestions will include: “T-shirt art” and “T-shirt and jeans” (T-shirt + a), “T-shirt business” and “T-shirt brands” (T-shirt + b), “T-shirt company” and “T-shirt custom” (T-shirt + c), and so on. [5 Steps to Building a Great SEO Strategy]

Is content marketing part of your business plan and branding strategy? is a content curation platform that lets you find keyword-based, SEO-rich content that you can publish to your own website, blog, newsletter and social accounts. This service is for businesses that don’t have the time or resources to create their own content, but wish to generate leads and build their brand awareness around content marketing. SEO and Brand Awareness plans for small businesses start at $79.99 per month, which supports up to five team members.

SEO covers everything from your website to social media accounts and everything in between, but this doesn’t mean you need to log in to multiple services to measure performance. Moz Pro, an inbound marketing software, lets you track SEO, social efforts, links, brand awareness and content marketing using a single platform. It includes more than a dozen research and reporting tools to improve SEO, such as Moz Analytics. This feature presents all of your search, social, mentions, inbound links, content and other data in a single place, as well as compares how your website is performing over time and against that of your competitors. The Moz Pro software starts at $99 a month.

How SEO-friendly is your website? Find its strengths and weaknesses for free with WooRank. This website review and SEO tool offers in-depth analysis of your website (or individual Web pages of your site) using metrics like SEO, social media, mobile optimization, usability and more. It also lets you automatically monitor analytics, backlinks, search engine rankings and other key factors to improve website performance. You can check a single website for free, but paid plans with advanced, unlimited reviews are also available, starting at $49.99 a month.

SEO can mean the difference between a website that converts and one that simply collects visitors. Optimizely is a website A/B testing tool that can help you make better decisions on the best ways to use SEO for your website to increase sales and revenue. A/B testing basically tests two versions of your website or landing pages — for instance, a current version versus another with SEO changes — then uses live traffic and visitor data to determine which version is likely to convert. Optimizely plans start at $17 a month, which includes unlimited testing for up to 2,000 monthly visitors.

Don’t know where to start with SEO? Whether you’re an SEO beginner or need a refresher, AdWords and SEO Secrets can help. This iOS app offers a plethora of resources to help you better understand how to use SEO to increase traffic and revenue. It includes more than 30 video interviews with AdWords and SEO experts, as well as a knowledgebase covering topics such as an introduction to SEO, SEO tips, AdWords tutorials and advanced SEO tools and tricks. The AdWords and SEO Secrets app is free from the Apple App Store.

Save time by automating SEO. Inbound marketing software HubSpot offers an all-in-one SEO platform that does everything from SEO analytics to SEO recommendations. One of its standout features is as-you-type SEO, which offers real-time SEO advice as you create content to improve optimization and rank higher on search results. This tool also offers advanced keyword targeting to determine the right keywords, research tools to improve keyword ranking over time, Google+ integration to expand social media reach, and mobile optimization capabilities. HubSpot pricing varies.

SEO doesn’t just apply to websites — social media plays a significant role as well. Use a social media management dashboard like HootSuite to track mentions of your brand, monitor social media traffic and discover relevant, trending keywords across multiple social media networks. Then, use this information to create highly optimized content, posts and status updates to drive further traffic to your website and social media accounts. HootSuite is free for up to three users. Paid plans for additional users and advanced features start at $8.99 per month.

Link building is an essential element of SEO, and highly shareable infographics can help. But you don’t need any coding or design skills to make an eye-catching infographic — DIY infographic creators like PiktoChart let you create professional- looking infographics by simply choosing a template, and then modifying its contents using a drag-and-drop platform. Make sure to craft a visually stunning infographic with high quality content, post it on your website or blog and share it on social media to start gaining traction and build links back to your website.

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The Best Online Marketing Services

Thanks to the Internet, attracting new customers has never been easier for small businesses.

Online marketing gives small businesses the ability to promote their products and services to customers not only in the towns where the companies are located, but all across the country. Internet marketing, also known as online or digital marketing, refers to the use of digital assets for marketing brands and selling products or services, said James Barry, an associate professor of marketing at Nova Southeastern University’s H. Wayne Huizenga School of Business and Entrepreneurship.

“It entails the use of social media, online advertising, search engine marketing and email marketing together as a way to connect with audiences completely through our computers and smart devices,” Barry told Business News Daily.

All of the various online marketing strategies — search engine optimization (SEO), pay-per-click (PPC) advertising, social media marketing, content marketing and link building — are designed to increase a business’s online presence.

Companies using Internet marketing say they have seen tremendous benefits from it. Louis Leibowitz, owner of owner of Walt’s Sleep Shopin Middletown, New Jersey, said online marketing has given the company the chance to make sales throughout the country.

“It offers greater visibility of our products all over the U.S, and it represented a great opportunity to increase our sales, and reach a bigger target market with less costs,” Leibowitz said. “Thus, instead of selling sofa, RV and marine mattresses only to people around Middletown, we now ship orders to states like California, Florida, New York, Texas and so on.”

Online marketing is also significantly cheaper than traditional forms of marketing, such as print, radio or television advertising, according to Leibowitz.

“It is a cost-efficient way to compete with big chains that offer similar products to ours, like Ikea and Walmart,” Leibowitz said.

Rather than conducting online marketing on their own, many small business owners employ Internet marketing services to do it for them. These firms provide a variety of services that help businesses improve their search engine rankings and build a stronger online profile.

Business News Daily’s sister site, Top Ten Reviews, conducts in-depth reviews to help business owners find the best online marketing services. Here are Top Ten Reviews’ top three recommendations for the best online marketing services:

#1. Increase Visibility

Increase Visibility was the highest-rated online marketing service by Top Ten Reviews due to its ability to maximize a website’s efficacy and profitability. The company specializes in a wide range of Internet marketing services, including search engine optimization, pay-per-click advertising, affiliate marketing, brand management and mobile marketing. When working with new clients, Increase Visibility’s experts design a comprehensive campaign to improve deficiencies, maximize the efficacy of the site and boost its traffic. All of the company’s campaigns are planned and customized to suit the needs of each client. In addition to using social media to build relationships with current and potential customers, the service also works to increase traffic through local searches that help build local clientele and brand awareness. Additional services offered include website design optimization, copywriting, and the creation and management of YouTube videos.

Promotion and performance: In order to promote a positive image of its clients, Increase Visibility helps businesses with online brand design and management. This includes blogging and syndication, writing press releases for the media and conducting in-depth analyses of competitors’ websites. In addition to receiving biweekly or monthly reports on the success of their campaigns, businesses can also access campaign statistics every day to ensure things are progressing as desired.

Education and support:Increase Visibility offers clients an instructional blog, as well as links to articles about industry trends and Internet marketing news. The company also provides an educational video and a variety of information related to the services it offers. For those in need of a bit more help, the company provides telephone, email and live chat support for all clients.

Cost: To compare costs, visit Top Ten Reviews’ best online marketing services.

[For a side-by-side comparison of the best online marketing service visit our sister site Top Ten Reviews.]

#2. WebiMax

WebiMax earned high rankings from Top Ten Reviews for its effective practices, customized service and dependable performance. The company offers a variety of Internet marketing services, including search engine optimization, search engine marketing, website design, social media marketing, pay-per-click advertising, affiliate marketing and mobile marketing. WebiMax also employs in-house writers for all content creation and copywriting. For businesses that already have SEO strategies in place, WebiMax provides a dedicated consulting and training team that can boost those efforts. The company prides itself on using only ethical and effective SEO techniques to drive traffic to each business’s site. On-site optimization, link building, social network advertising, contextual search advertising and video SEO are among the other services offered.

Promotion and performance: WebiMax provides an online marketing client center that lets users review their campaigns as often as they like. The dashboard gives clients the opportunity to review reports, rankings and results in real time. WebiMax also has the ability to handle brand management, performance reporting, competitor analysis, blogging, syndication and press-release writing.

Education and support: The WebiMax website features a variety of educational videos, a company blog and a host of services-related information. The firm also provides users help and support via email, live chat, phone and an online form.

Cost: To compare costs, visit Top Ten Reviews’ best online marketing services.

#3. Server Side Design

Server Side Design scored high marks for its focus on search engine optimization and pay-per-click advertising, as well as its ability to serve clients of all sizes. In addition to SEO and PPC advertising, other services the company offers includes website optimization, onsite and offsite Web marketing, copywriting, link building, local search optimization, video SEO, keyword research, affiliate marketing, mobile marketing, contextual search advertising and social network advertising. Server Side Design also designs and manages its client’s social media profiles, including those on Facebook and Twitter. Additionally, the company offers the upLOCAL service, which helps businesses rank prominently on map searches.

Promotion and performance: Server Side Design’s performance reports track a variety of metrics, including site traffic, rankings, social media and pay-per-click results. The company also provides competitor analysis, branding design and management, blogging, and press releases.

Education and support: To better understand each aspect of a campaign, Server Side Design’s website provides information on the company’s entire suite of “up” services, including upRANK for SEO, upLOCAL for maps, upCLICK for PPC and upSOCIAL for social media. Additionally, the company provides an analysis of each client’s website, examining the site’s directory structure, navigation, database, content, file names, metadata and site code.Server Side Design offers telephone, email and live chat support for those needing extra assistance.

Cost: To compare costs, visit Top Ten Reviews’ best online marketing services.


Originally published on Business News Daily

30 Internet Marketing Services for Small Businesses

As the Internet has grown in popularity, so too has online marketing.

Online marketing, also known as Internet or digital marketing, involves using the Internet to promote a business. The goal of online marketing is to spread awareness about a business and its products or services via the Internet.

Internet marketing encompasses a variety of different strategies, including search engine optimization (SEO), pay-per-click advertising, reputation management and both social media and content marketing. The majority of businesses today use at least one of these strategies to promote themselves.

Rather than doing the work on their own, many businesses turn to Internet marketing services to help set goals, design strategies and run campaigns. Here are 25 Internet marketing services that tailor their offerings to small businesses.

1st on the List Promotion

1st on the List Promotion is a full-service search engine optimization company based in Canada. The company focuses on search engine optimization, SEO website design and redesign and pay-per-click services.  1st on the List Promotion focuses on making Web page improvements so its clients’ sites are more accessible to search engines and more relevant to the searcher. The company’s search-engine-friendly website design and redesign services encompass usability improvements plus mobile website design so that websites can be easily found and properly displayed across all platforms, including PCs, laptops, tablets and other mobile devices.

435 Digital

435 Digital is a full-service digital marketing company. Among the services the company offers are search engine optimization, website development, paid search marketing, social media marketing and branded content development. Based in Chicago, 435 Digital also has offices in Pennsylvania, Maryland, Virginia, Connecticut, California and Florida.


Acumium is an online marketing company that specializes in developing digital marketing strategies for online businesses of all sizes. Among the marketing services the company provides are search engine optimization, paid search and display advertising, content marketing, Web analytics and reporting and branding, identity and value proposition. Acumium also offers a range of Web development and IT services, such as e-commerce website development, business website development, website design and IT consultancy.

All My Web Needs

All My Web Needs is a full-service Internet marketing and Web design company based in Nashville, Tenn. The company’s services revolve around designing and upgrading websites, increasing a site’s visibility on search engines and maximizing exposure online. All My Web Needs’ SEO services include keyword research, customer targeting, visitor tracking, creating title and meta tags, creating site maps and indexes, cross linking, hyperlinking, code optimization, URL normalization, code optimization and increasing page speed. Social networking, Web hosting, domain registration, blogging and display advertising and graphic design are among the other services All My Web Needs offers.

ArteWorks SEO

ArteWorks SEO offers online marketing services to both small and large businesses. The company specializes in search engine optimization, pay-per-click campaigns and social media management. ArteWorks works individually with each client to learn about its business needs, its industry and relevant search engine demographics. When providing social media services, ArteWorks incorporates any number of social media sites into their customized plan, including, but not limited to, Facebook, Linked In, Google+, Twitter, Pinterest, Instagram, YouTube and Tumblr. ArteWorks SEO is based in Austin, Texas.


Ask8 provides Internet marketing services to small and medium sized businesses. The company’s services include website design, search engine optimization and pay-per-click marketing, email marketing, video marketing and social media management. Other services the company offers are content marketing, logo design, banner design and retail consulting. Ask8 provides potential clients a free, no obligation consultation.

Brick Marketing

Brick Marketing, a search engine optimization company, provides a comprehensive approach to white hat SEO marketing, including SEO strategy, competitive website SEO analysis, SEO keyword research, on-site optimization, technical SEO implementation, white hat link-building strategy, content marketing and social media marketing management. The company, based in Boston, serves companies of all sizes, including both B2C and B2B businesses.

Bruce Clay Inc.

Bruce Clay Inc. is an Internet marketing company that provides search engine optimization services, pay-per-click advertising management, SEO-friendly Web design, information architecture, and social media and conversion rate optimization services. The company also offers its SEOToolSet, which includes integrated research tools, a comprehensive page analyzer, a search engine ranking monitor and initial link analysis. Bruce Clay Inc. is based in California, but also has offices in Europe, Japan, India and Brazil.

Customer Magnetism

Customer Magnetism is a full-service digital agency. The company offers a variety of search, social, content and design and development services. Specifically, their services include search engine optimization, link earning, reputation management, paid search engine advertising, local SEO, social media management, social media advertising and social media consulting. Among the other services they offer are content marketing, infographic marketing, email marketing, website design and development and mobile SEO and development. Customer Magnetism is based in Virginia Beach, Virginia.


Cyberset is an all-in-one Internet marketing company. Its services include search engine optimization, local Internet marketing, public relations and media marketing, pay-per-click advertising, social media marketing, video marketing, email marketing and mobile marketing. Cyberset also offers a range of website development services, such as custom Web design, e-commerce development, Web-based application development, eBay store design, YouTube channel design, website redesign, information architecture and blog design. Other services offered by Cyberset include analytics conversion tracking, AdWords conversion tracking and automated Google base-feed generation. Cyberset is based in Canoga Park, California.


DigitalSherpa is an online marketing company that specializes in content marketing and social media marketing. Its content marketing services include writing customized and unique content for websites, writing blogs and creating branded social media content. Additional services include social media management, social media marketing analytics and custom-built Facebook and Twitter pages. DigitalSherpa is based in Norcross, Georgia.

Etude Technologies

Etude Technologies is an Internet marketing company based in Cincinnati, Ohio. The company offers a wide range of services designed for small businesses, including creating direct response websites, email marketing, search engine marketing, website analysis and video marketing.

First Port Marketing Solutions

First Port Marketing Solutions specializes in helping small business owners connect with current and future customers on the web. The full-service digital marketing agency works one-on-one with clients and offers website development, search engine optimization services, paid search marketing and social media management especially tailored to the small business niche.


iMajestic is a Los Angeles-based search engine optimization and Web design company. Among the areas iMajestic specializes in are SEO, pay-per-click optimization, local search optimization, Web development and design, conversion optimization, reputation optimization and management, professional content development and management, linguistic search behavior and social media marketing.

Increase Visibility

Increase Visibility is a California-based full-service digital marketing agency. Among the company’s portfolio of offerings are search engine optimization services, which include keyword research, conversion tracking, website optimization, code optimization, broken link audits, URL structure and formatting, orphaned page checks, HTML code and optimization, and image and data caching. Other services Increase Visibility provides for its clients are social media management, reputation management, local optimization, mobile marketing, pay-per-click management and professional Web development.

Internet Marketing Ninjas

Internet Marketing Ninjas is a full-service Internet marketing and search engine optimization services company. Its Web marketing services include social media marketing, link building, local search optimization, pay-per-click advertising, content creation, Web design and conversion videos. The company offers a variety of SEO and Web tools, including a broken links tool, redirects and site crawl tool, an image and link analyzer, an on-page optimization tool and a social image resizer tool. Internet Marketing Ninjas is based in Clifton Park, New York.


Intrapromote offers a mix of search engine optimization, social media and content marketing services. The company creates custom strategies for each client, which ranges from small businesses to large brands. Specific search services include website analysis and optimization, keyword research, content marketing and Google + and maps optimization. Social media services include long-term social planning, crisis management planning and execution, community and channel management and in-house staff training. Intrapromote is based in Hudson, Ohio.

Key Scouts

Key Scouts is a full-service inbound marketing agency providing website promotion services and diverse Internet marketing solutions to clients worldwide, across all major industries. Among the services Key Scouts offers include on-page optimization, pay-per-click advertising, social media marketing, content marketing, reputation management and Web consulting. Based in Oregon, Key Scouts also has an office in Israel.

Marketeering Group

The Marketeering Groups provides all-inclusive digital marketing packages for small businesses. Packages include search engine marketing, social media marketing, website management and blogging. In addition, the company offers optional services such as graphic design, website updates, email marketing and ad management.

The Marketing Zen Group

The Marketing Zen Group is a full-service online marketing and digital PR firm that provides strategy and implementation services for businesses, organizations and nonprofits. The company’s online marketing services include search engine optimization, pay-per-click management, website design and development, social media marketing, email marketing, content marketing, mobile marketing and reputation management.

Main Street ROI

Main Street ROI provides online marketing services, consulting and training. The company specializes in search engine optimization and Google AdWords management, including specific SEO services in keyword research, competitor analysis, on-page optimization, local SEO optimization, blogging, white hat link building and SEO penalty repair. In addition, Main Street ROI sets up and manages Google AdWords campaigns for clients both big and small.


Netmark provides a wide range of services, including search engine optimization, pay-per-click management, conversion rate optimization, conversion value maximization, social media marketing, comparison shopping, reputation management, email marketing, mobile marketing, consultation services and premium hosting. In addition, Netmark also offers web development, with staffers who specialize in php, asp, application development and website design.

Search Agency

Search Agency is a company that specializes in online marketing for small businesses. Among the services offered include natural search engine optimization, link building solutions, pay-per-click management, SEO consulting, social media marketing, reputation management, local search optimization, and tracking and website analytics. Search Agency also provides website design and redesign services. The company also offers a variety of free SEO tools, including competition reports, page rank checkers and link popularity checkers.

SEO Image

New York-based SEO Image offers a wide range of online marketing services to both small businesses and large corporations. The company specializes in search engine optimization, pay-per-click advertising, social media marketing and reputation management. SEO Image’s search engine optimization services include SEO audits, conversion marketing, content marketing and mobile SEO. Its social media marketing revolves around establishing brands in social circles so visitors gain an understanding of the business and what it has to offer.


SEOP is a digital marketing agency that offers a wide range of services, such as search engine optimization, pay-per-click management, mobile marketing, social media marketing and reputation management. The company’s services also include link building, affiliate marketing, Google analytics and website development and copywriting. SEOP has its own lab where it tests more than 10,000 different websites in order to see in real time how their SEO impacts against the algorithm shifts. This allows the company to collect data faster and test what works before it becomes a large-scale rollout of the newest algorithms. Based in California, SEOP also has offices in New York and London.

Server Side Design

Server Side Design, also known as SSD Fair Marketing, is a Texas-based website marketing and website advertising company that specializes in search engine optimization, pay-per-click advertising, social media marketing, local marketing, mobile marketing and video marketing. The company’s SEO and social media marketing campaigns are tailored to meet each of its client’s goals.

Steven Cortez Digital Marketing Consulting

Steven Cortez Digital Marketing Consulting offers a range of small business services, including online marketing, search engine optimization, pay-per-click management, email marketing, web design and graphic design. The company provides all potential customers with a free consultation.

Straight North

Straight North is a digital Internet marketing agency that provides firms throughout the U.S. with a wide range of online marketing services, such as search engine optimization, pay-per-click management, display advertising and email marketing. Specific SEO services include keyword research, on-site optimization, content marketing and link building. The company’s display advertising services include retargeting, contextual targeting and site targeting. Straight North also offers Web design and development services.


Updentity provides online advertising solutions for non-profit organizations and for-profit businesses. The company creates one-of-a-kind advertising campaigns for specific organizational goals and objectives. In an effort to provide low cost, to no cost online advertising, Updentity pairs nonprofits with for profit sponsors. The company, an operating unit of Bashpole Software, Inc., also performs marketing functions including database cleaning and lead generation.


WebiMax offers businesses of all sizes a range of online marketing services, including search engine optimization, search engine marketing, paid search advertising, social media advertising, social media monitoring, website design and development, reputation management, link removal, email marketing and lead generation. When working with its clients, WebiMax starts with a strategy and discovery phase and then creates a complete marketing plan encompassing development, design, implementation and analytics. Based in New Jersey, WebiMax also has offices in New York City, London and Sydney.


WebMetro provides services to all types of businesses, ranging from online companies to Fortune 500 corporations. The company specializes in search marketing, user engagement and online media. Its search marketing services include search engine optimization, pay-per-click advertising, content marketing, mobile search optimization and comparison search. Among its user engagement offerings are creating landing pages, building microsites, conversion rate optimization, prospect cultivation and social marketing. WebMetro’s online media services include display advertising, email advertising, social advertising, video advertising and affiliate advertising. WebMetro is based in San Dimas, California.

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The Surprising Reason So Few People Succeed At Building Wealth – Revealed!

Why do certain postal employees and teachers with ordinary incomes achieve financial freedom, while doctors and lawyers earning multiple times more income end up in bankruptcy?

The reason is more complex than most financial gurus teach.

The truth is there’s no magic wealth system or program that produces reliable results despite the over-hyped claims of marketers.

Instead, the wealth building process is mundane and practical – like a series of hurdles you must jump over, without tripping up – no different than building your own business or achieving any other serious economic goal.

The hurdles are:

  • Commitment so that you prioritize everything necessary to build wealth; otherwise, life will just get in the way.
  • Plan based on proven principles that actually work, and it must be uniquely designed to fit your skills, resources, and interests.
  • Action because nothing happens without persistent, disciplined action over sufficient time to reach the end goal.

I know that doesn’t sound nearly as sexy as the “hidden secrets of the rich” sold by marketer types, but it is timeless wisdom that actually works.

People want to believe in get-rich-quick and overpriced weekend bootcamps because they promise to deliver that “secret missing ingredient” that previously held you back.

The secret is there are no secrets.


The wealth system that works today is the same program that worked 250 years ago because people haven’t changed. The principles are the same, and only the details have changed with time.

The hurdles you must clear to reach your wealth goals are timeless, and the fact that nearly everybody trips up on one of these hurdles remains the reason why wealth remains for the select few.

It is just human nature.

For example, just consider the second hurdle and all the difficulties hiding behind your wealth plan and the eduction required to develop it.

There’s no proven quality standard in financial education. There’s no vetting organization to separate good from bad, and most people don’t have enough financial background to spot a fake or tell quality from junk.

Who can you trust? How do you know?

It’s a serious problem.

The truth is all the information you could ever need to know for achieving financial freedom already exists, most of it for free. In fact, we’re overwhelmed by information.

But if you bought every wealth building program you’d never make any money because you’d be so tied up in knots trying to unravel the confusion and figure out which way to go that it would be difficult to commit to a direction and get started.

Here’s the reality. Each one of the 3 hurdles listed above is required to achieve wealth, and each hurdle is surrounded by landmines just like the planning hurdle described above.

Fortunately, there is a scientifically proven way to engineer your life so that you achieve financial freedom in 7-15 years by clearing all of these hurdles.

Below are some free articles excerpted from Seven Steps To Seven Figures – a complete wealth building system…

Building wealth isn’t rocket science, and it’s not a revolutionary secret of the rich.

It’s about all the simple things WE THINK WE ALREADY KNOW like commitment, plan, and action, BUT DON’T DO PROPERLY.

Think of it like a chain where your wealth system is only as strong as the weakest link.

For every 100 people reading this tutorial you’d be lucky to see more than 1 person clear all the hurdles without breaking at least one link in the chain. It’s not difficult. You just have to know what to do.

Who would you rather be? One of the 99 who fail? Or the one who succeeds?

Below you’ll find a list of our most recent articles about wealth systems & programs providing you with additional strategies and information so you can take the next step…or jump straight to 7 Steps To 7 Figures here.

Newsmax’s 100 Most Influential Business Leaders in America

The competition between businesses changes every day, mirroring the affairs between the nations they are set in. Similar to countries competing for power and impact around the world, businesses influence the pace and direction of globalization now more than ever.

Although a company’s sole purpose is to make a profit, wealth was never the sole driving force behind its growth or survival. Instead, successful companies rely on intelligence and creativity in the face of competition. Quotes from America’s past successful business leaders almost never attribute wealth to success, and instead cite innovation as the key to survival and power.

Henry Ford, for example, said, “The only real security that a man can have in this world is a reserve of knowledge, expectance, and ability.”

Today, intelligence and creativity are often trump cards in the marketplace. Instead of providing physical goods, many companies now reinvent products on digital platforms. A book can now be read and shared online instead of in print, for example. As a result of the new digital realm, information and its derivative goods have only become more prevalent in business, while physical products and money have not always kept pace.

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Below is Newsmax’s list of the 100 most influential business leaders in America. This list takes into account each candidates’ net worth, the company’s brand value, and the positions in both their relevant industries as well as the global business market. For the purposes of this ranking, the leaders themselves don’t necessarily have to be American born, but instead must lead businesses that are U.S.-based. Furthermore, influential business leaders do not necessarily need to hold the position of CEO.

1. Warren Buffett,  Berkshire Hathaway Inc. — Referred to as the Oracle of Omaha, Buffett is the CEO of diversified holding company Berkshire Hathaway Inc., and is the third-richest man in the world. Although Buffett’s position is not a major source for job creation, he has continued to inspire and influence the worldwide economic market with his trading approaches. Buffett’s net worth is estimated at $65.7 billion, and he was listed as the 14th-most powerful person in the world in a recent Forbes ranking.

2. Rupert Murdoch, News Corp and 21st Century Fox — Although Murdoch recently announced he would be stepping down as CEO of 21st Century Fox, he will still hold power and influence in the company as executive chairman. Murdoch is also CEO of News Corp, which succeeded News Corporation. In the past, he’s been named by Fortune as the second-most powerful person in business, whose assets include media outlets such as the New York Post, Fox Broadcasting company, The Wall Street Journal, and multiple successful news publications spanning in Australia, America, Europe, and Asia.

3. Larry Page, Google — CEO and one of the co-founders of Google, Page is in charge of the most powerful and influential company on the Internet today. Ranked No. 3 in the world by Forbes for most valuable brands, Google generates some 2 million Internet searches per second. Page has taken the simple idea of a search engine company and maximized its market and projects to engender ambitious new technological advances such as Google Glass and driverless cars. Along with being one of the world’s richest men, Page also has a staggering 96-percent approval rating among employees at Google, according to While balancing employee happiness along with ambitious creative projects, Page has managed to continue to increase Google’s profits, with its net income rising 17 percent to $3.93 billion in the recent three months leading, according to the BBC.

4. Tim Cook, Apple — CEO of the most valuable brand in the world, according to Forbes, Cook has continued to show leadership in the revolutionary tech company. Filling the shoes of American tech pioneer Steve Jobs after his death in 2011, Cook did not stumble in his new position as CEO, but continued to direct Apple in the direction of the future. Under Cook’s direction, the tech giant has broken into two additional markets including smart watches and music streaming services. The Apple Watch is popular among politicians and celebrities, while Apple Music is cruising up to compete with streaming giant Spotify.

5. Jeff Bezos, Amazon — Founder and standing CEO of, Bezos revolutionized how the entire world shops online. In addition to serving as the largest online retail outlet in the world, according to Forbes, Amazon has made its way into many different markets. Under Bezos’s direction, Amazon now sells tablets, video-streaming services, and is also experimenting with drone-based delivery methods. The company’s use of advertisement on delivery boxes is another advance in the field of commercial advertising as well.

6. Sheldon Adelson, Las Vegas Sands Corporation — With a fortune estimated by Forbes to be around the $28 billion mark, Adelson is an investor, philanthropist, business magnate, and chairman and CEO of the Las Vegas Sands Corporation. His company operates Las Vegas’ The Venetian Resort Hotel Casino and the Sands Expo and Convention Center, as well as the Marina Bay Sands in Singapore. He is also a well-known name in the Republican Party, gaining influence over the years as a result of his generous donations.

7. Charles and David Koch, Koch Industries — The Koch brothers run the family business, the second largest privately owned company in the country. With Charles as chairman and CEO and David as executive vice president, Koch Industries hauled in an estimated revenue of $115 billion, according to Forbes. The Koch brothers are also well known as political mega-donors, offering up more than $100 million to fund right-wing causes. They were once dubbed by The New Yorker as “the billionaire brothers who are waging a war against Obama.”

8. Steve Schwarzman, The Blackstone Group — As co-founder and CEO of the global private equity and financial advisory firm The Blackstone Group, Schwarzman has an estimated fortune of $12.9 billion, according to Forbes. He is highly involved in philanthropic causes, donating $100 million to expand the New York Public Library and giving $150 million to Yale University earlier this year, The New York Times reported.

9. Jack Welch, General Electric — Retired businessman Jack Welch was CEO and chairmen of General Electric from 1981 to 2001. During his career at the company, GE’s value rose 4,000 percent, according to GE’s revenue grew from $25 billion to $130 billion while Welch was with the company, according to Business Insider.

10. Satya Nadella, Microsoft — Inheriting a massive company from outgoing CEO Steve Ballmer, Nadella has brought some of the magic back to Microsoft’s onetime renaissance under founder Bill Gates. Although he is still young in his position as CEO, Nadella has acted quickly to bring Microsoft up-to-date by cutting ties with Nokia and creating apps that operate with Linux and Mac to tap into the markets of the Android and iPad devices. It’s a quick shift in direction from Nadella that makes Microsoft the second-most valuable brand in the world, according to Forbes.

11. Mark Zuckerberg, Facebook — After the film “The Social Network” pushed him into the international spotlight, the Facebook co-founder and CEO only continued to rise in popularity. Named one of the youngest billionaires by Forbes with a net worth of $34 billion, 31-year-old Zuckerberg’s influence will only continue to grow. Facebook is ranked No. 10 on the list of the world’s most valuable company brands, according to Forbes.

12. Lloyd Blankfein, Goldman Sachs Group — CEO of investment banking firm Goldman Sachs Group, Blankfein manages $911.5 billion, and was named the 27th-most powerful person in the world, according to Forbes. Blankfein was also named the third most powerful person in business by Fortune in the past.

13. Rex Tillerson, Exxon Mobil — President and CEO of the world’s largest publicly traded oil company, Tillerson led Exxon Mobile to $4.9 billion in profits within it first quarter beating previous expectations. Tillerson was ranked as the 20th-most influential person in the world, according to Forbes.

14. Brian Roberts, Comcast Corporation
— In addition to serving as the chairman and CEO of Comcast, Roberts personally controls 33 and 1/3 percent of the voting rights of the company. He also chairs the board of directors of the National Cable & Telecommunications Association. The attempted $45 billion acquisition of Time Warner Cable may not have worked out, but Comcast has a renewed commitment to revamping its business in order to ensure it stays the largest cable company in the United States.

15. Paul Singer, Elliott Management Corporation
— As the founder and CEO of hedge fund Elliott Management Corporation, Singer oversees more than $25 billion, according to Forbes. He ranks No. 16 on the Forbes list of highest-earning hedge fund managers and traders, and has an estimated net worth of $2.1 billion. Singer is also active in the political and philanthropic arenas, donating to the Republican Party and even serving on the Honorary Delegation to accompany President George W. Bush to Jerusalem in 2008.

16. Larry Ellison, Oracle — Ellison, a computer programmer and entrepreneur, is a cofounder and CEO of software manufacturer Oracle Corporation. Under Ellison’s leadership, the company has been able to out-sell IBM, making it the second-largest software vendor. It raked in $29.6 billion in software revenue alone in 2013, according to PC World. Oracle Corporation now competes just under Microsoft, which continues to hold the spot of the largest software vendor. Ellison is the fifth-richest man in the world according to Forbes, with a $54.3 billion net worth.

17. Donald Trump, The Trump Organization — Trump’s accomplishments and image span from his real estate company to his successful television show to his very own board game. Trump is not just a person, but a brand, and now that brand is running for president. Since announcing his candidacy earlier this summer, Trump has promised to take his business expertise and apply it to America as a whole. Although some of Trump’s businesses have filed for bankruptcy in the past, according to Vanity Fair, the billionaire has time and time again overcome any fiscal danger and turned his companies around. With Trump’s net worth at more than $10 billion, he has certainly made himself into a household name. Trump is currently ahead in the polls for the Republican nomination for president with 32 percent of the vote, according to a September CNN/ORC poll.

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18. Bill Gates, Microsoft, the Bill and Melinda Gates Foundation — Gates was ranked the seventh-most powerful person in the world by Forbes. Gates is also known as the richest person on the planet with a net worth estimated at $78.5 billion.

19. Michael Bloomberg
— Successful businessman and former New York City Mayor Michael Bloomberg shares experience in politics and business alike. Bloomberg was named the richest person in New York state with an estimated net worth of more than $33 billion, according to Business Insider. Bloomberg currently owns 88 percent of his company Bloomberg LP, which he started in 1981.

20. Wilbur Ross — An investor and businessman who made his billions advising bankruptcies and restructuring flailing companies, Ross is a force in the steel, coal, telecommunications, foreign investments, and textiles industries. He spent 25 years with Rothschild Inc’s bankruptcy practice and then founded investment firm WL Ross & Co in 2000. It was acquired by Invesco in 2006. He has spent the recent years turning around troubled banks, first the Bank of Ireland and then the Bank of Cyprus.

21. Jeff Immelt, General Electric — CEO of the ninth-most popular brand in the world, according to Forbes, Immelt and GE manufacture everything from jet engines to medical equipment. Immelt has been with the company since 1982.

22. Doug McMillon, Wal-Mart — CEO of Fortune’s No. 1-ranked business out of 500, McMillon got his start at Wal-Mart unloading boxes on the loading docks, according to Business Insider. He is also ranked as the 29th-most powerful person in the world, according to Forbes.

23. Muhtar Kent, Coca-Cola — CEO of the third-most valuable brand in the world, Kent manages Coca-Cola, which is widely known as the best-selling soft drink in the world, according to The Huffington Post.

24. John Chambers, Cisco — Although he stepped down from CEO to executive chairman last month, Chambers has served as CEO of Cisco for 20 years. During his reign, the CEO made Cisco one of the most respected companies worldwide, ranking No. 15 on Forbes’ list of most valuable brands in the world.

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25. Carly Fiorina- HP and potential 2016 GOP presidential nominee — Fiorina climbed the ranks as an executive at AT&T and then Lucent Technologies, Inc. before becoming CEO of Hewlett-Packard in 1999. As the first woman to lead a top 20 company, Fiorina oversaw HP’s massive merger with Compaq — one of the largest tech mergers in history, according to Forbes. She has now moved on to politics and, thanks to a recent bump in the polls, has secured a place in the second Republican debate schedule for Sept. 16.

26. Ginni Rometty
— CEO of IBM

27. Indra Nooyi — Chairman and CEO of Pepsi Co

28. Evan Spiegel — CEO of Snapchat

29. Mary Barra —CEO of General Motors

30. Elon Musk — CEO of SpaceX, Tesla, and SolarCity

31. Bob Iger — Chairman and CEO of The Walt Disney Company

32. Steve Easterbrook — CEO of McDonald’s Corp

33. Howard Schultz — Chairman and CEO of Starbucks

34. Jamie Dimon
— Chairman, president, and CEO of JPMorgan Chase

35. Randall Stephenson — Chairman and CEO of AT&T

36. Gary Kelly — CEO of Southwest Airlines

37. Brian Moynihan — CEO of Bank of America

38. Sam Zell — Chairman of Equity Group Investments

39. James McNerney — Chairman and CEO of Boeing

40. Kenneth I. Chenault — CEO of American Express

41. Jack Dorsey — Co-founder of Twitter and Square

42. Carlos Brito — CEO of Anheuser-Busch InBev

43. Meg Whitman — CEO of Hewlett-Packard Company (HP)

44. Marissa Mayer — CEO of Yahoo

45. Michael Corbat — CEO of Citigroup

46. Mark Parker
— CEO of Nike

47. Mort Zuckerman
— Co-founder, executive chairman, former CEO of Boston Properties, as well as owner and publisher of the New York Daily News

48. John G. Stumpf — CEO of Wells Fargo

49. Lowell C. McAdam — CEO of Verizon Communications

50. Ken Langone — Co-founder of The Home Depot

51. Gerald Hassell — CEO of The Bank of New York Mellon

52. Sergio Marchionne — CEO of Chrysler Group LLC

53. Richard Davis — CEO of U.S. Bancorp

54. Mark Fields — CEO of Ford Motor Company

55. Richard Anderson — CEO of Delta

56. Frederick Smith — CEO of FedEx

57. Greg Creed — CEO Yum! Brands

58. Brian Krzanich — CEO of Intel

59. Richard Fairbank — CEO of Capital One

60. Stuart Gulliver — CEO of HSBC

61. W. Craig Jelinek — CEO of Costco

62. Douglas Oberhelman
— CEO of Caterpillar Inc.

63. David Abney
— CEO of United Parcel Service (UPS)

64. Alex Gorsky — CEO of Johnson & Johnson

65. Doug Parker — CEO of American Airlines

66. John Donahoe — CEO and president of eBay

67. Thomas Montag — COO of Bank of America

68. Michael Dell
— CEO of Dell

69. Charles R. Schwab
— Founder of Charles Schwab

70. Ellen Kullman
— CEO and Chairman of DuPont

71. Leslie Moonves — CEO of CBS

72. Robert Marcus — CEO of Time Warner Cable

73. Joseph Hooley — CEO of State Street Corporation

74. James Smith — CEO of Thomson-Reuters Corporation

75. John Bilbrey — CEO of The Hershey Company

76. Alan Lafley
— CEO of Procter & Gamble

77. Ajaypal Banga — CEO of MasterCard

78. Abigail Johnson
— CEO of Fidelity Investments

79. David Abney — CEO of United Parcel Service (UPS)

80. Reed Hastings — CEO of Netflix

81. Dan Schulman — President of PayPal

82. Oprah Winfrey — Founder and CEO of OWN

83. Jeff Weiner — CEO of LinkedIn

84. Steve Feinberg — CEO of Cerberus Capital Management

85. Carol Meyrowitz
— CEO of TJX Cos

86. Charles Scharf
— CEO of Visa Inc.

87. Marillyn Hewson — CEO of Lockheed Martin

88. Timothy Mayopoulos
— CEO of Fannie Mae

89. Samuel R. Allen — CEO of John Deere

90. Melinda Gates — Co-founder of the Bill and Melinda Gates Foundation

91. Gary Cohn — President and COO of Goldman and Sachs Group

92. Brian Cornell — CEO of Target

93. Robert Niblock — CEO of Lowe’s

94. John Wren
— CEO of Omnicom Group

95. Kevin Ryan
— CEO of Gilt Groupe

96. Tim Armstrong — CEO of AOL

97. Shellye Archambeau
— CEO of MetricStream

98. John Wendell Thompson
— CEO of Virtual Instruments and Chairman of Microsoft

99. Martha Stewart — Chairwoman of Martha Stewart Living Omnimedia

100. Brady Dougan — CEO of Credit Suisse

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Wealth Building Books – Foundation & Creation

I hand-picked the following wealth building books as the best resources (in my humble opinion) for developing the habits and attitudes that lead automatically to wealth. This is the easiest and most certain path to financial freedom that I know – simply by shifting your habitudes. Each of these books offers a slightly different perspective on the subject so look them over and see which one is most compelling for you…

The Millionaire Next Door: The Surprising Secrets of America’s WealthyStanley and Danko completed extensive research on millionaire habits with the intention of forming a marketing strategy to sell to the wealthy. What they discovered was so surprising it became a New York Times bestseller and perennial favorite. I honestly thought I was a freak until I read this book and realized my habits were typical of millionaires.


The Millionaire MindThe reason I like Stanley and Danko’s books so much is they are the only ones in the group who researched actual millionaires to determine the correct habitudes. Many authors use conjecture and anecdotal evidence. These guys used hard research.

Stop Acting Rich: …And Start Living Like A Real MillionaireThis is the third and most recent book in their series on millionaire habitudes. It rounds out the trilogy for fans of the previous books.

How to Be RichIf you want to learn about building wealth there is no more authoritative teacher than J. Paul Getty. Surprisingly, this book provides down-to-earth actionable habitudes that you can implement in your own life.

The Wealthy Barber, Updated 3rd Edition: Everyone’s Commonsense Guide to Becoming Financially IndependentA straightforward approach to the most basic habitudes to build wealth. A classic in the field.


The Richest Man in BabylonNo library on wealth building for the “normal” person would be complete without this classic parable. The principles taught are basic and timeless at the same time.
Secrets of the Millionaire Mind: Mastering the Inner Game of WealthI’m not a big fan of Harv Ecker’s marketing practices but there is no denying the addition this book makes to this subject. I include it grudgingly with the warning to stick with the book only and not get roped into his marketing funnel for upselthls from the book.


Think and Grow RichThis is a classic and a must read. I’ve personally read it several times and will read it to my children someday. It is that good.
Rich Dad’s CASHFLOW Quadrant: Rich Dad’s Guide to Financial FreedomRobert’s “Rich Dad” series is a bestseller for a reason. My complaint is his books became quite repetitive and were short on actionable advice. I recommend this one because it teaches some very important principles that make a unique contribution to the literature.

Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Revised and Updated for the 21st CenturyI still remember the first time I read this book. Actually, my wife and I listened to it as a book on tape while taking a long drive. It stimulated many great shifts in thinking and clarified my stance on consumerism while bringing clarity to the process of how simple the road to financial freedom really is.

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