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Começando do Zero no Forex #01 – Suporte e Resistência para Iniciantes no Trade

Posted: 27 Oct 2021 12:00 AM PDT




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CADASTRE-SE NA MELHOR CORRETORA PARA LUCRAR COM BINÁRIAS 👇
➤ Site Quotex: https://bit.ly/quotex-brasil

A corretora Quotex é uma nova corretora que está ficando cada vez mais popular entre os Traders Brasileiros. Depositei R$10.000,00 via pix e estou gostando da corretora devido aos pontos positivos abaixo:

– Sem Delay;
– Depósito e Saque via PIX em 24hr;
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– OTC respeitando muito minha estratégia;
– Plataforma de fácil utilização;

➤ Cadastre-se na Quotex: https://bit.ly/quotex-brasil CADASTRO NA MELHOR CORRETORA DE FOREX: https://bit.ly/cadastro-xtb-fx
➤ Como Depositar na XTB: http://bit.ly/pdf-deposito-xtb
➤ Como se Cadastrar na XTB: http://bit.ly/pdf-cadastro-xtb
➤ XTB: https://bit.ly/cadastro-xtb-fx

APRENDA FOREX DO ZERO EM 2021
Introdução ao Forex: https://youtu.be/ha6Rvu96Ywo
Aula 01 – Suporte e Resistência: https://youtu.be/D8G8Yxz_Pa0
Aula 02 – Linhas de Tendência: https://youtu.be/xP2D8ZE1XoU
Aula 03 – Pullback: https://youtu.be/vvYtnQbQSVk
Aula 04 – Gestão de Capital: https://youtu.be/4GIHdW2pijA
Aula 05 -Controle Emocional: https://youtu.be/U7YBOdBQO3A

Instagram: @BermanTrader

Grupo no Telegram: https://t.me/telegranaa

Este vídeo não é uma recomendação de investimento, corretora nem sinal de compra e venda. Operações em valores mobiliários envolvem perda parcial ou total do capital investido.

———————————————————————————

Acesse meu site:
https://www.bermantrader.com/

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Types of Internet Services for Business

Posted: 26 Oct 2021 11:29 PM PDT



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Deciding on the right internet service for your business means evaluating both employees’ and customers’ needs. Your choice comes down to a combination of availability, budget and internet speed requirements. Generally speaking, the more data flowing through your connection, the more you should prioritize high-speed broadband access.

Even if you need to connect to the internet only to process customer payments through point-of-sale (POS) devices, the combination of speed and reliability offered by cable and fiber-optic service providers makes it worth considering the upgrade from dial-up, DSL or satellite. However, thanks in part to innovations from technology companies such as SpaceX, satellite internet could eventually offer the best option for businesses to transmit and receive data all over the world.

Here’s what you need to know about internet connection types and speeds, and how to choose the right service for your organization.

Defining an acceptable internet connection

Before we explain internet service types, it’s essential to understand internet speeds and what you can accomplish at varying levels. 

Broadband internet explained

Anytime you hear about internet speeds, you’ll likely hear the term “broadband.” According to a Federal Communications Commission (FCC) broadband deployment report, a standard broadband internet connection has a minimum download speed of 25 megabits per second (Mbps) and a minimum upload speed of 3 Mbps. However, many businesses in small towns across rural America struggle to find reliable high-speed service.

The most recent FCC data shows that 94.4% of Americans have access to fixed broadband internet of at least 25 Mbps (download) and 3 Mbps (upload), but those speeds are increasingly considered insufficient by 2021 standards, as some members of Congress have argued recently. 

“Going forward, we should make every effort to spend limited federal dollars on broadband networks capable of providing sufficient download and upload speeds and quality,” Sens. Michael Bennet (D-CO), Joe Manchin (D-WV), Angus King (I-ME) and Rob Portman (R-OH) wrote to the FCC and other agencies in March. “There is no reason federal funding to rural areas should not support the type of speeds used by households in typical well-served urban and suburban areas.”

It can be difficult to ascertain your business’s internet bandwidth needs. For small and midsize businesses (SMBs) with a growing reliance on video conferencing and other data-heavy activities, the current federal broadband benchmark of 25 Mbps is considered insufficient. 

With so much commerce activity and communication occurring online these days, the majority of SMBs should seek out cable and fiber-optic internet connections with a minimum speed of 100 Mbps. This speed enables small teams to manage online communications and tasks without interruptions or dropped conference calls.

Did you know?Did you know? When considering the best business broadband solution for your company, your first step is finding out what’s available for your business address. Providers and speeds can vary widely by location.

Internet speeds and their capabilities

As a general guideline, here’s what you can expect to accomplish with an available range of internet speeds.

1-5 Mbps

Good for:

  • Checking email
  • Searching on Google
  • Chatting on Slack
  • Streaming music

5-40 Mbps

Good for:

  • Streaming video on one device
  • Video conferencing with Zoom or Skype on one device
  • Downloading small files
  • Publishing web content

40-100 Mbps

Good for:

  • Streaming HD or 4K video on a few devices
  • Video conferencing with a few devices on Zoom or Skype
  • Downloading large files
  • Uploading files

100-500 Mbps

Good for:

  • Streaming video in UHD on multiple screens
  • Downloading large files quickly
  • Uploading large files
  • Providing high-speed internet access for up to five people at the same time

500-1,000+ Mbps

Good for:

  • Hosting video conferences or livestreams for large groups
  • Downloading large files quickly
  • Uploading large files quickly
  • Providing high-speed internet access to many devices simultaneously

What is dial-up internet?

Dial-up internet uses a standard phone line and an external or internal modem to convert an analog signal to digital, connecting to the internet with speeds ranging between 28 kilobits per second (Kbps) and 56 Kbps. Traditional telephone companies still manage dial-up internet service across the country. Since the data moves along the same telephone landline, phone calls and internet access can’t occur simultaneously. 

If you accessed the internet in the early 1990s, you probably remember the sound of dialing up as well as the incredibly slow speeds by today’s standards. While dial-up is the least expensive option, the latest U.S. household internet subscription data shows that only 0.3% of U.S. households still use dial-up to access the internet. 

For business purposes, connecting to the internet through a dial-up modem is not recommended due to its exceedingly slow speeds and lack of reliability. This obsolete technology has been replaced by broadband internet.

Dial-up internet pricing About $10 per month for dial-up service
Dial-up internet speed Up to 56 Kbps (which is considered too slow for business use)

What is satellite internet?

Research and development funding efforts are currently pouring into satellite internet, an older technology that still has the best potential to deliver high-speed, low-latency broadband to every corner of the world. Elon Musk’s SpaceX is currently deploying a low-orbit satellite internet constellation with plans to place thousands of mass-produced satellites into space. These satellites will work in combination with ground transceivers to connect anyone with clear access to the sky. 

While SpaceX’s Starlink is still in its open public beta phase, connection speeds reportedly vary from 50 Mbps to 150 Mbps. The company expects to invest $10 billion to launch its fleet of satellites and install more ground stations, at which point the data speeds will improve dramatically. Even in its early-adoption phase, Starlink is an excellent option for rural businesses without access to cable or fiber-optic internet connections.

Small businesses can also find several other established satellite internet providers servicing small-town America with varying degrees of success. HughesNet and Viasat (formerly Exede) are two examples of providers offering broadband internet service at reasonable speeds to many rural areas across the country. While these service providers both have data caps at lower prices, they’re still often a better option for broadband service for many businesses that operate off the beaten path.

Satellite internet pricing Around $100 per month for service, plus setup and equipment fees
Satellite internet speed Up to 150 Mbps (with much higher speeds expected soon)

Did you know?Did you know? Some businesses weigh the pros and cons of a mobile hotspot versus a satellite connection. While satellite’s reach is growing, a mobile hotspot can offer speed, flexibility and immediacy.

What is DSL internet?

Digital Subscriber Line (DSL) introduced the general population to broadband internet in the early 2000s and remains the only high-speed internet service option for many rural and small-town businesses and homes today. 

While DSL runs through the same telephone lines as dial-up, it’s more than 100 times faster and is “always on,” unlike dial-up. DSL relies on a different frequency than dial-up, which means you can use the phone line for talk and data at the same time without interference. Considered an older technology by today’s standards, DSL is reasonably reliable and tops out at around 100 Mbps. However, most users should expect speeds of around 25 Mbps with consistency. 

DSL data speeds are physically limited by the distance the phone line runs from the main distribution point. The closer you are to the main distribution point, the faster the available service will be. 

DSL internet pricing Around $40 per month for service, plus setup and equipment fees
DSL internet speed Up to 100 Mbps (however, most users should expect only 25 to 50 Mbps)

What is fixed wireless internet?

Fixed wireless internet technology requires a directional radio antenna on both ends of the signal to send and receive data. Its speeds typically range from 5 Mbps to 20 Mbps. 

Unlike most standard home and office Wi-Fi antennas, fixed wireless technology is designed for outdoor use with large broadcast towers and receivers. Several different radio antennas can better accommodate different signal distances, weather conditions and bandwidths to optimize performance.

Fixed wireless internet service is increasing in popularity for businesses operating in select small towns and rural areas outside the reach of traditional broadband services like DSL, cable and fiber optic. 

Fixed wireless internet pricing Around $50 per month, with data limits for service
Fixed wireless internet speed Up to 20 Mbps

FYIFYI: For rural businesses feeling stifled by connectivity issues, fixed wireless internet may offer a clear solution until satellite reaches its potential.

What is cellular internet?

For retail-focused businesses with internet needs limited to customer transactions through POS systems, cellular can be an attractive and convenient option. Wireless internet performance through a cell phone may vary depending on your service provider and device, with speeds typically available at 4G and 5G levels. 

The term “4G” refers to the fourth generation of cellular networks, which can reach speeds of 100 Mbps; however, the typical speed is closer to 20 Mbps. The term “5G” refers to the fifth generation of cellular networks, which can reach speeds of more than 1 Gbps, but the typical speed is closer to 70 Mbps through most major cell phone service providers. Square, Lightspeed and Clover are several of the best mobile POS systems and service solutions that work perfectly with cellular internet service for small retail businesses.

TipTip: Learn more about potential POS systems for your business in our Square review, Lightspeed review and Clover review.

Cellular internet pricing Varies, but around $70 per device monthly for unlimited data plans
Cellular internet speed Over 1 Gbps (however, most users should expect only 70 Mbps)

What is cable internet?

Cable internet grew from the existing coaxial cable television infrastructure to deliver reliable high-speed internet access to homes and businesses across the country, much like DSL piggybacks off dial-up. 

Referred to as a last-mile technology, cable internet systems transmit data through a modem at the customer’s physical location and a cable modem termination system located at a cable provider’s facility, often grouped into hubs for efficiency.

For the last decade, cable internet has dominated the high-speed broadband landscape. While entering the end of its dominance as the gold standard in true high-speed broadband access, cable is still a very good option for businesses operating where access to fiber is not yet available. 

For daily use at SMBs, a cable connection is the ideal minimum technology requirement for sufficient download speeds up to 2,000 Mbps, with slower upload speeds. With so many different options for speed and data limits measured by the gigabyte, prices for cable internet service can vary a great deal.

Cable internet pricing From $35 per month to more than $500 per month for service, plus setup and equipment fees
Cable internet speed Up to 2,000 Mbps

TipTip: If you’re deciding between business DSL and cable, DSL may be satisfactory if your internet needs are minimal and you don’t have any plans to expand. Cable is a better option if you use cloud software and plan to add more employees and devices to your workplace.

What is fiber-optic internet?

You may be wondering if your business should get fiber-optic internet. While satellites may be making the most headlines, today’s best internet service providers are connecting their customers to the world with data download and upload speeds up to 940 Mbps, something that only fiber-optic providers can deliver commercially. 

Each fiber-optic cable houses hundreds of optical fibers made by stretching glass or plastic to a diameter that’s only 1/10 the diameter of a human hair. Each fiber can transmit data at roughly 70% the speed of light. Fiber internet signals also benefit from not being dependent on electricity, unlike the copper coaxial cables used to support cable broadband internet access. 

The result is that power outages will have little or even no effect on fiber internet performance. There’s also no need to worry about electromagnetic interference from any nearby powerful electrical equipment. 

While the current leading data-transmission technology is widely available in many urban centers across the country, the Fiber Broadband Association estimates that we’re on pace to deliver fiber-optic internet service to only 50% of the U.S. by 2025. It’s expected that 90% of Americans will have access to fiber-optic broadband to connect to the internet by 2029. 

Google, Verizon, AT&T and Spectrum are among the companies continuously growing their fiber infrastructure across the country. Pricing for fiber is similar to cable at higher speeds and could even be less expensive than cable packages above 100 Mbps. 

If you operate an internet-reliant business in an area with existing fiber internet infrastructure, especially if you need to purchase any office hardware or equipment for long-term use, a fiber-optic connection is the best choice.

Fiber-optic internet pricing About $60 per month for basic service, with higher prices for top speeds
Fiber-optic internet speed Up to 940 Mbps

 


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Software Test Automation Engineer

Posted: 26 Oct 2021 10:59 PM PDT



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Job title: Software Test Automation Engineer

Company: Randstad

Job description: and methodologies which will improve our test practices -5+ years’ experience in Software QA, working preferably on Forex trading apps…, or a related technical field, or its equivalent; plus 5 years of experience in software quality assurance engineering and testing…

Expected salary: $12000 – 125000 per year

Location: Boston, MA

Job date: Wed, 27 Oct 2021 00:04:50 GMT

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You'll lose all your Money in Forex Trading if you don't Do it!!

Posted: 26 Oct 2021 10:55 PM PDT




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What Is Commercial Umbrella Insurance? Do You Need It?

Posted: 26 Oct 2021 10:26 PM PDT



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Most businesses carry different types of liability insurance. In particular, businesses need general liability insurance and workers’ compensation policies. When you have multiple policies and feel your business is at greater risk of a lawsuit, you can get more coverage for less money by purchasing a commercial umbrella insurance policy. An umbrella policy covers several underlying liability policies to make sure you have the protection you need. 

Here’s a deeper look at commercial umbrella insurance, what it covers and how to decide if you need it.

What is commercial umbrella insurance?

An umbrella policy adds coverage to other insurance policies. A commercial umbrella insurance policy is designed to add coverage to the liability limits of specific policies.

These are the main types of business insurance policies to which commercial umbrella insurance adds coverage:

The commercial umbrella insurance policy could add anywhere from $1 million to $15 million or more in coverage to an existing policy. For example, if a general liability policy had a $1 million per-occurrence limit, and the umbrella policy had a $5 million limit, the business would have a total of $6 million in liability coverage.

Did you know?Did you know? A commercial umbrella insurance policy doesn’t cover professional liability insurance claims, even if you have a professional liability insurance policy. To get higher coverage here, you’d need to increase the coverage on the actual policy itself.

How does commercial umbrella insurance work?

Umbrella coverage is additional coverage for liability policies. The underlying policy’s limit will be utilized first. When it hits the max or cap, then the umbrella policy will kick in. The umbrella coverage is used until it hits its cap.

When it comes to umbrella insurance, the per-occurrence limit is the same as the aggregate limit. A company can have several claims, but the annual aggregate limit caps the total amount the insurance company will pay in a claim.

Don’t get umbrella insurance confused with excess liability insurance. Both add coverage, but the excess liability insurance will add coverage to one policy only, usually general liability. Umbrella insurance covers multiple policies.

Example of commercial umbrella insurance claims

Say a company has a general liability per-occurrence limit of $500,000 and an aggregate limit of $1 million. Assume the commercial auto insurance limits are $250,000 per person and $500,000 per accident, and the commercial umbrella policy’s limit is $10 million.

Let’s further assume that a company had a particularly bad claim year. It has a person who slips on the floor, falls, and hits their neck on a display, becoming paralyzed. If this claim were for $5 million, the general liability policy would pay $500,000, with the umbrella paying another $4.5 million. There is still $5.5 million in the aggregate limit for the umbrella.

Assume they had a commercial auto accident later in the year with a liability claim of $300,000. The commercial auto insurance would pay the first $250,000. The umbrella would then kick in the additional $50,000.

Who needs commercial umbrella insurance?

A business with big liability risks and multiple types of business insurance policies should get a commercial umbrella policy. Adding umbrella insurance is generally a more cost-effective way of adding overall coverage rather than increasing each liability policy’s limits.

Since liability claims can become quite expensive, and you never know when a massive claim can hit, it’s a good idea for all business owners to look at a policy’s costs and determine if it’s worth it.

Some businesses, such as contractors, may be asked for proof of insurance with specific limits when working with certain clients or on government contracts. In cases like this, the contractor would get an umbrella policy to add additional coverage to its other policies without affecting those limits.

In general, these are some parties that need commercial umbrella insurance the most:

  • Businesses with a lot of public exposure
  • Businesses with many commercial vehicles
  • Contractors requiring it from clients
  • Those engaged in hazardous industries

Did you know?Did you know? Contractors’ insurance needs are unique, with both mandatory and advisable policies to help cover the costs of repairs and replacements and deal with lawsuits.

What happens if I don’t opt for umbrella insurance?

Commercial umbrella insurance isn’t a requirement, and you’ll never be asked to prove that you have an umbrella policy. With that said, if you don’t have a policy, you could be grossly underinsured in a serious claim. 

Someone could make a claim that exceeds your policy limits, and you’d have no additional coverage or protection. Your business could then be held liable for the difference between what your policy paid and the ultimate claim value.

Bottom LineBottom line: Choosing not to get an umbrella insurance policy could expose your business to high-value claims. This could be financially devastating to small businesses.

What does commercial umbrella insurance cover?

As explained earlier, commercial umbrella insurance adds a layer of additional liability coverage for certain policies a business owner may already have. This includes coverage for general liability, workers’ compensation, commercial auto and EPLI.

Umbrella coverage covers more than a claim’s settlement; it also pays for investigation and defense costs if the claim results in a lawsuit. Depending on the insurance carrier, some aggregate limits do not include the cost of investigation and defense. 

This aspect of commercial umbrella insurance is a major plus for a business because lawsuits can easily run into tens of thousands – if not hundreds of thousands – of dollars and would eat into the capped coverage.

What does commercial umbrella insurance not cover?

Your commercial umbrella insurance policy will not add coverage to your professional liability policy. This means that malpractice and errors and omissions policies do not benefit from an added layer of liability coverage.

What umbrella insurance covers What umbrella insurance doesn’t cover
Customer injury Professional errors
Libel Your commercial property
Reputational damage Your personal property
Auto accident liability Employee discrimination
Product liability Intentional damage on your part
Employee injury Liability you willingly assumed under contract
Wrongful termination lawsuits Liability for criminal activity

How much does commercial umbrella insurance cost?

The cost of your commercial liability insurance policy depends on how much coverage you want, your claims history and industry risk. You can get a policy for as little as $30 per month for up to $1 million in additional umbrella coverage.

In most instances, getting an umbrella policy will be less expensive than adding additional liability coverage to your underlying policies. Ask your insurance representative to run a quote both ways to see what’s most cost-effective while getting your liability coverage set up.

When shopping for commercial umbrella insurance, keep in mind that you don’t have to purchase this policy from the same insurance carrier you used for other policies. However, considering your current insurance carrier is wise; your carrier may offer discounts or policy credits to existing customers. 

It’s also ideal to shop for umbrella insurance, general liability and workers’ compensation insurance at the same time with new carriers to see what type of package deal you can get.

TipTip: Don’t just get a quote for umbrella insurance. See how much you can save if you bundle policies with one carrier. The best liability insurance providers may offer discounts and credits for bundled policies.

What happens when claims exceed the coverage amount?

Insurance will cover you only for the policy’s aggregate limits. If you exceed these limits, you’re responsible for the value in excess of the insurance cap. For example, if the aggregate limit is $5 million and you have a claim for $6 million, you would be responsible for the extra $1 million.

This is why it’s so important to increase coverage where you can afford to. You are not absolved of responsibility just because you have an insurance policy. Claimants can still sue you for damages and losses, taking profits and assets from your business. 

While you can’t insure your business for every scenario, you don’t want to be underinsured based on industry standards. Talk to your insurance representative about the right amount of liability coverage.

Does a commercial umbrella insurance policy cover policies held at other carriers?

You don’t need to have all your insurance policies with the same insurance carrier to reap the benefits of an umbrella policy. You can have your general liability policy with Company A, commercial auto with Company B and umbrella with Company C. As long as the underlying policies have the minimum liability coverage required by the umbrella policy, they are covered.

However, having all your policies with the same carrier is one way to save money on business insurance. You may get discounts or credits by having all policies with the same carrier. This is because the insurance company is better able to underwrite the risk together than separately.


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Understanding Market Direction – Urban Forex Bites

Posted: 26 Oct 2021 09:53 PM PDT




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In this Urban Forex Bites, you will see how to anticipate market directions.

📝 Full Blog Article with more examples:
https://www.urbanforex.com/blog/understanding-market-direction

00:00 Introduction
00:35 What Do The Buy And Sell Candles Mean?
01:28 Market Logic With Real World Examples
06:00 How Do Most Typical Retail Traders Fit In That Logic
08:04 Chart Example

Make sure to subscribe to receive notifications on our next videos 🔔

Useful Links 🔗

📺 Full Webinar: https://youtu.be/jrqDkFgAiNE

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What Are the Benefits of Email Pop-Ups?

Posted: 26 Oct 2021 09:22 PM PDT



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Pop-ups are essential to all successful digital marketing campaigns. When used successfully, they can help increase your customer base and drive engagement, both of which can positively impact your bottom line. By following a few rules of thumb, businesses can use pop-ups to increase conversion rates with ease.

Email pop-up benefits

In a marketing world driven by mobile traffic, pop-ups are more crucial than ever to a marketing campaign’s success. Pop-ups are presented to potential customers at a key decision-making moment in their exploration of your company’s website. One of the most effective ways to boost growth through online business platforms is through a pop-up marketing strategy. Because customer attention shifts in a matter of seconds, businesses must prove their value quickly.

Pop-ups provide digital marketing campaigns with the power to drastically improve customer retention and conversion rates. Most marketers embed subscription forms at the bottom of webpages, where web users seldom scroll. Pop-up messaging makes subscribing impossible to ignore. Pop-ups also give businesses access to customers’ most private and intimate digital platform: their inbox. 

This type of online messaging is highly effective at increasing return on investment and adding customers to a company’s databases. Pop-ups give sign-up forms an incredible amount of visibility, and their flexibility in design allows you to strategically use pop-ups to secure leads. The segmentation and targeting options available in pop-up development increase visitors’ chances to subscribe to the website they are exploring. Numerous templates are already designed to maximize conversion rates and different platforms that help companies program their pop-ups. 

Did you know?Did you know? Every visitor who signs up through a pop-up can be automatically integrated into your business’s contact databases for optimal marketing management. This is an excellent strategy to build your email marketing list.

What is an email pop-up box?

Before you can take full advantage of the benefits of email pop-ups, it is essential to understand exactly what they are. An email pop-up box is a message that appears to your website visitors while they are browsing online. These messages are automated and triggered to appear on the website screen based on visitors’ behaviors. The purpose of a pop-up is to compel the visitor to further engage through explicit calls to action. Pop-ups ask for website visitors’ email addresses in exchange for a desirable benefit, such as a discount or exclusive content access.  

Best practices for adding an email pop-up to your website

There are important considerations each business must make in the strategic design of its pop-up messages. When creating pop-ups for your website, there are several best practices to consider. Timing, size, visual design, word choice and navigability all contribute to the likelihood that a website visitor will interact with a pop-up. Without proper planning and analysis, the effectiveness of pop-ups can decrease. Below are some best practices for pop-up messaging strategies. 

1. Choose the right pop-up genre for your digital marketing strategy.

There are several types of pop-up messages to consider using when your business is developing its digital marketing strategy. If your pop-up is designed to obtain the contact information from a visitor who exhibits value in their relationship with your online presence, a simple email capture form may be all you need. If a customer is about to leave your website without subscribing or making a purchase, or exhibiting intent to exit the site, a pop-up can be triggered to compel the visitor to finalize the purchase or sign up for a subscription before they leave. Other types of pop-ups offer free content, discounts, and entry into giveaways or contests in exchange for an email address. 

The two-step opt-in format for pop-ups employs psychology to encourage website visitors to subscribe or sign up by presenting the visitor with a yes or no option. For example, a good pop-up may read, “Do you want the best product ever?” Below the proposition, there will likely be two buttons: one indicating agreement and the other rejecting. One of the buttons might feature text like “Yes, and now!” and the other will reject the offer with words such as “No, I don’t want the best product ever.” This is an excellent way to prime website visitors for further engagement. 

2. Intentionally target your company’s website visitors at key moments. 

There are two components to targeting website visitors to consider when your business is planning pop-up messages: timing and segmentation. 

Timing

It is best to wait at least 10 seconds after a website visitor has opened your company’s webpage before offering a message. Then you can create different pop-ups for specific moments in a visitor’s experience. Consider timing a pop-up for visitors just entering the site, customers about to leave the site, visitors who navigate to a specific page of your company’s website and those scrolling to a certain point on a webpage. 

Segmentation

Personalizing pop-ups through segmentation is also vital. Target visitors from specific locations, or a specific source with messaging that aligns l with their beliefs, situational understandings and desires. Your business can also create different email pop-ups for new and returning visitors to increase customer retention and growth. 

TipTip: If your business is unsure how to time pop-ups or define the segments of your audience, you can run A/B tests to determine the most effective messaging for different customer groups.

3. Make a strategic offer based on your service. 

There are numerous genres of pop-up messaging, and it is important to choose the type that aligns best with your company’s service. The pop-up offer should be incentivizing and tempting, and create a feeling of urgency and special consideration. Depending on the nature of your business and the timing of the pop-up, you may choose to offer the visitor a coupon code, sweepstakes entry, free product or a mystery offer, or promise future benefits. Be mindful of the visitor’s perceived barriers to engagement with your business, and use the offer to overcome those anxieties. 

4. Choose your words carefully. 

The messaging in a pop-up is essential to its success. The first thing a website visitor should read on the pop-up is the benefit they can obtain. Leverage inclusion in an exclusive community by inviting them to join the club. Create a fear of missing out to incentivize the reader to follow the directions on the pop-up. Website visitors may require that your company gains their trust. Many successful marketing campaigns use humor, for instance, to foster a feeling of camaraderie and shared values. 

The second element of the pop-up text is the call to action. Consider the primary benefits users will enjoy by signing up for emails from your company, and seek out calls to action that go beyond “submit.” For example, a pop-up may ask a reader to click a button that reads “count me in” or “claim my surprise.” 

In general, choose words that compel the reader to act. The message should always be clear and contain one obvious call to action. Avoid cliches by replacing a phrase such as “order your product” with “get my product.” If a visitor is behaving with intent to exit your company’s website, a pop-up notifying them of the items they left in their cart paired with a free shipping offer may get that visitor to purchase. Each pop-up should be designed to eliminate different uncertainties that people experience at various points throughout their navigation of e-commerce platforms. 

5. Consider website visitors’ viewing platforms.

Most people navigate the web via mobile devices, so it is important to consider mobile-friendly designs in pop-up development. Avoid annoying customers by placing them as sidebars or floating bars at the top of your company’s website. Google has precise guidelines for pop-up messaging, and if your business wants to avoid an SEO penalty, your pop-up shouldn’t prevent your visitors from accessing the page’s main content. To ensure compliance, add a trigger to pop-ups that respect Google’s guidelines. Pop-ups designed for desktop screens can be much larger, making them harder for visitors to ignore, but these also become more intrusive. It is a best practice only to use full-screen pop-ups when it is triggered by a visitor’s intent to exit the website.  

FYIFYI: The best digital marketing strategies create platform-specific pop-up campaigns.

6. Make it pop with pictures. 

A tremendous amount of communication is interpreted via illustration and image. The visual content of a pop-up matters as much as, if not more than, the text content. A strategically selected image can draw in a viewer’s attention, reiterate the benefits of a subscription, and reassure the potential subscriber of safety in sharing their contact information. 

Successful pop-ups can:

  • Feature photographs of team members to create a sense of human connection. 
  • Use product images to entice the viewer to make a purchase.
  • Convince potential subscribers to take an action, using logos of other subscribing brands as social proof.

7. Be unique and irresistible. 

The last thing your company wants is for your pop-ups to resemble those of the competition. Your pop-up colors should coordinate with your website, as well as stand out to catch the website viewer’s attention. Consider choosing a vibrant color for a call-to-action button and a passive color for a button allowing a customer to decline your offer. Other marketers add “success” pop-ups to their strategy as well to show new subscribers that they have joined the club. Creating different pop-ups for new and returning users can also increase conversion rates. These practices continue to drive traffic and encourage engagement

Examples of fantastic email pop-ups 

Anthropologie 

Approximately 10 seconds after the viewer enters Anthropologie’s website, a pop-up presents them with the opportunity for free shipping on their next order by providing their email to the company. This encourages the viewer to stay on the website.  

The viewer’s eyes are immediately drawn to the free shipping text, enticing them to follow the explicit and straightforward direction below. Through a minimalist design, Anthropologie demonstrates the power of strategic colors and concise messaging. 

Anthropologie

Source: Anthropologie

Bed Bath & Beyond

Bed Bath & Beyond presents a pop-up across the bottom of the viewer’s screen about 30 seconds after they enter the website. Its position and color do not obstruct the viewer’s navigation, and it fits seamlessly with the brand’s theme. 

“Get 20% off” is both the main text on the pop-up and the words on the subscribe button. Reiterating the deal as the viewer submits their email cements the benefits they are gaining by signing up with the company. 

Bed Bath & Beyond

Source: Bed Bath & Beyond

Instacart

Potential new users on Instacart will be prompted with an unassuming pop-up offering free delivery today only, creating a sense of urgency for the viewer. The pop-up button titled “Details” allows the viewer to explore the option without making an immediate commitment. While this may seem like an ineffective strategy, keeping potential customers on your website is key to increasing sales.

Instacart

Source: Instacart

Levi’s

The Levi’s website almost immediately presents a pop-up welcoming the viewer to sign up and get 20% off and free shipping on their first order. The messaging dangles the opportunity for exclusive special privileges and offers to anyone who joins the mailing list. Levi’s offers both an immediate deal and long-term benefits without using too much text.

Levi's

Source: Levi’s

Michaels

The coupon pop-up on Michaels.com displays its product in a way that is playful and consistent with Michaels’ branding. The discount and the button to subscribe are apparent, and the incentive to “unlock” the deal primes the viewer to seek access.

Michaels

Source: Michaels

Nike

Before you leave Nike’s website, the company makes sure you are prompted to join the mailing list. As its logo is well known, it is wise of the brand to place the swoosh at the top of the pop-up. In addition to an email address, Nike asks for the new subscriber’s birthdate and clothing preference, giving a personalized touch to the customer experience.

Nike

Source: Nike

The New York Times

This pop-up on The New York Times’ website appeals to potential subscribers with expert wording: “Enjoy unlimited digital access” invites the reader to a good, easy-to-use experience full of potential. Bolding “limited time offer” next to “subscribe for $1 a week” creates irresistible conditions for a customer.

The New York Times

Source: The New York Times

 


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Learn to Trade Forex – 3. How to Trade Forex | Swissquote

Posted: 26 Oct 2021 08:50 PM PDT




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Delta Star Trading System | Profitable Forex Tools

Posted: 26 Oct 2021 08:31 PM PDT

Product Name: Delta Star Trading System | Profitable Forex Tools



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Description:

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The Benefits of Accounts Payable Reporting

Posted: 26 Oct 2021 08:20 PM PDT



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Accounts payable (AP) is the money your business owes to its vendors and suppliers. These purchases could include rent, utilities, inventory and the cost of doing business. When you make a purchase, the vendor or supplier invoices you. You then make the payment at a later date. 

In comparison, accounts payable reporting is the process of tracking and reporting these business expenses. This ongoing reporting process ensures your business maintains accurate financial records.

Editor’s note: Looking for the right accounting software for your business? Fill out the below questionnaire to have our vendor partners contact you about your needs.

Why is accounts payable reporting important?

Businesses of all sizes can benefit from accounts payable reporting, but it’s essential for small businesses. You need to know whether you’re paying invoices on time and paying the correct amount. 

Here are a few reasons why accounts payable reporting matters:

  • Ensure bills have been paid. Accounts payable reporting allows a business to track credit spending and ensure bills are paid on time. If your business consistently pays its vendors late, your credit rating could suffer. A poor credit rating can negatively impact future lending decisions. 
  • Prepare for tax season. Accounts payable reporting also ensures you have the information you need come tax season. This information makes it easier to collaborate with your accountant and meet your tax filing deadlines
  • Maintain a good relationship with your suppliers. By staying on top of your accounts payable reporting, your business can maintain a good relationship with its supplier. This positive relationship can lead to more favorable payment terms or opportunities to save money with early payment discounts.
  • Keep accurate financial records. Accounts payable reporting ensures your company’s financial data is correct. This information can help you gauge your working capital, determine which invoices need to be paid and document issues as they arise. 

Types of accounts payable reports

Let’s look at some of the most common types of accounts payable reports your business will run.

Invoice aging report

An invoice aging report includes a list of all unpaid accounts payable invoices. This information can help determine how much the business owes and which invoices need to be paid first. 

An invoice aging report includes details like these:

  • Vendor names
  • The amount you owe each vendor
  • When the invoice is due
  • How long you’ve held the debt

An invoice aging report will help you spot missed payments and see how far past due an invoice is. To avoid getting behind on vendor payments, you should run an invoice aging report daily or weekly. 

Did you know?Did you know? This report can help you manage cash flow, plan for future expenses, determine which vendors to pay first, and find ways to negotiate payment terms.

AP trial balance

The AP trial balance lists the ending balance in each general ledger account and includes any unpaid or partially paid invoices. This report ensures that a business’s debts match its credits and that all journal entries are accurate.

Generating an AP trial balance is kind of like balancing a checkbook. It reviews all payments to ensure they match the total amount that’s due. If you accidentally overpaid a vendor or missed a payment altogether, your AP trial balance will help you catch this. 

TipTip: If your credits and debits don’t match, it could be because your business received inventory but hasn’t yet received the invoice. Once you’ve received the invoice, your accounts will reflect that.

It’s a good idea to generate an AP trial balance monthly or quarterly. Running the report too soon could lead to inaccurate information. 

Voucher activity report

A payment voucher is a document businesses use to track supporting information needed to approve payment on an invoice. It’s an internal auditing control that ensures each invoice is paid and that the company receives the goods and services. 

A voucher activity report includes this information:

  • A vendor’s name
  • The company’s purchase order
  • The total amount due
  • The due date
  • Discount terms offered

A voucher activity report tracks payment vouchers made over a certain period of time. It can help you see how much the business spent on a particular project or how much you’re spending in different departments. 

Reconciliation of accounts

The open reconciliation report shows all accounting activity concerning payment vouchers over a specific period. This report helps you determine whether your business is making accurate and timely payments to its vendors. 

You can use the open reconciliation report to check for unpaid liabilities. This report will also show you whether you’re sending payments to the correct vendor. 

If there’s a difference in the ledger, this was likely caused by inaccurate reporting or a missing payment. Account reconciliation can also help you spot any issues with fraud.  

How accounting software can help with accounts payable reporting

The best way to stay on top of your AP reporting is by using accounting software. Instead of manually entering your financial data, the right accounting software does the heavy lifting for you. 

You can use this software to automatically generate reports and see your payment trends over time. Here are a few ways accounting software can benefit your business:

  • View vendor information. You can use accounting software to view information about a specific vendor. You can see how much you currently owe that vendor and how much your business has paid them over the past year. You can also see if your company has any opportunities to save money by taking advantage of early payment discounts. 
  • Retain accurate financial records. Manually entering your financial information is not only tedious, but it’s also prone to error. Accounting software automatically syncs to your bank account and reconciles your financial transactions for you. And if your company is ever audited, accounting software will save you a lot of time since you’ll already have the financial data on hand.
  • Generate reports automatically. You can use your accounting software to generate financial reports for your business automatically. These reports help you track how much your business is spending and see how much it currently owes. You can generate these reports as often as you need to. 

TipTip: If you’re not sure how to pick accounting software, check out our reviews of the best accounting software for businesses. The right accounting software for you will largely depend on the size of your company and how you plan to use the software. Learn more about top options in our QuickBooks review and our review of Xero.

The bottom line

As a business owner, you need to stay on top of your accounts payable reporting. Tracking the reports outlined in this article will ensure that you stay on top of outstanding invoices and maintain a good relationship with your vendors. It will also help you keep accurate financial records. 

If you need help with your AP reporting, the right accounting software can make this process easier. Accounting software reduces the risk of human error and will automatically generate these reports for you. That way, you know your financial records are accurate and up to date.


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