Finding A Good Signs Maker Online

Outstanding debts can inflict severe dents in even the best retirement plans which have been carefully crafted over a lifetime. Incurring a debt is seemingly unavoidable in the modern age,as a result of both higher cost of living and consumerism.

With each passing year,more and more Singaporeans are diving into the debt pool as they struggle to cover their daily expenses and make ends meet. As of December 2016,the average Singaporean household incurs an estimated $55,000 of debt,which is a 3% increase over 2015. Easily 75% of this household debt stems from unresolved mortgage loans. Some of this unsettled debt may even force retirees to expend their assets to cover their debt rather than passing it on to their beneficiaries.

However,there are several ways to effectively settle outstanding debts to ensure it doesn’t put a crimp on some of those best retirement plans you’ve come up with.

1. Establish a Budget and Track It

Creating a proper budget is a great way to analyse and plan finances. By allocating a set amount of money towards a specific expense per month,the amount of expenses can be monitored more stringently and precautionary steps can be swiftly undertaken if the expenses overshoot the stipulated budget. It is only through proper budgeting can individuals or households create the necessary surpluses to pay off any existing debts.

Certain financial tools,such as Excel spreadsheets or even Mint.com,are particularly useful in keeping track of a personal or household budget.

The main problem for an individual who does not keep track of his/her monthly expenditure is that he/she does not know if he/she ends the month with a net reduction in savings,i.e.,spending exceeds income and eats into savings. Knowing the amount of leftover balance is crucial since a continuous negative balance might lead to the creation of new debts. It is this type of debt that is the most dangerous as it rolls over at seemingly manageable interest rates month after month. Before the individual knows it,he/she would have made hefty payments on interest alone.

Tracking tools are thus crucial in identifying areas of weakness in one’s monthly spending habits,but an individual must take affirmative action to reverse the negative balance situation. This can be done via listing out the monthly expenses and employing necessary cut backs on certain expenditures. Discipline is the key.

2. Laddering Debts by Interest Rate

Laddering debts is another technique used in settling outstanding debt. It involves listing out all current debts by interest rate,starting from the highest interest rate to the lowest interest rate. The debt with the highest interest rate costs the most money,so this debt needs to be settled first.

By paying off the most expensive debt first,the overall debt will be reduced significantly faster. Some individuals who incur multiple debts per month and employ laddering in their finances usually settle the minimum payment required for each debt,and use the balance cash from their payments to settle more of the debt with the highest interest rate.

For example,let’s compare two debt instruments: one,a credit card with an outstanding balance of $4,000 with an interest rate of 24% and another,a credit line with an outstanding balance of $8,000 with an interest rate of 16%. Ideally,the minimum monthly payment required to settle each debt would first be made,and any leftover finances would be funneled to repaying more of the credit card debt even though the amount owed may be lower.

Laddering is especially useful in tackling multiple debts while avoiding the accidental creation of another new debt. Laddering also instills a sense of financial discipline that is good in tackling unresolved debts and preventing those debts from inflicting too much harm on those retirement plans you’ve kept in mind.

3. Balance Transfers

Balance transfers is another tool used to cut back on interest expenses whilst settling an attempt to pay off a debt over several months.

For example,given the competitive nature of the unsecured credit market,banks often provide very low teaser rates for clients who transfer their existing unsecured debt from other banks. The effective interest rates could be as low as 4% p.a. versus the normal 24% p.a. one pays on credit card balances. However,the catch is such promotional rates lasts only for a certain period,for example 6 months. Nevertheless,balance transfers can lower the interest costs of an existing debt.

Balance transfers do carry their own risks. Individuals transferring balances must remember to either settle the debt after the transfer or look for another such opportunity before the lower interest on the account to which the balance is transferred expires,otherwise he/she risks paying an even higher interest rate.

Individuals using the balance transfers may also fail to address the continuous build-up of debt,thus wiping out any benefit from such a strategy. In the end,despite this cost-saving strategy,individuals end up with even more debts that impinge on savings,not to mention any future retirement plans.

4. Contacting Consumer Credit Counseling Services

If a person is having immense trouble settling their debts or even coming up with the minimum monthly payments,they should consider engaging a consumer credit counseling service. In Singapore,this service is aptly named as the Credit Counseling Singapore (“CCS”) and offers solution-based credit counseling for individuals beleaguered by financial debt.

The CCS’s debt management services only cost $130 and pairs up debt-laden individuals with a credit counsellor. The credit counsellor will assess the indebtedness of an individual’s situation and assist him/her by making a financial estimate of the debts owed,identify available resources which can be used to cover the debts and even plan a monthly budget which incorporates all living expenses. Solutions to tackle the debt problem and monthly negative balances will be meted out to alleviate the burden of debt.

If one is concerned over how his/her debt would affect his/her retirement plans,contacting the CCS would be the right way to go. If the retirement plan has already taken the old debt into account,proper financial restructuring could reduce the interest and installment payments that need to be made.

Even the best retirement plans may be in jeopardy in the face of unresolved debts. By adopting better financial habits such as establishing a budget,laddering debts and transferring balances,an unsettled debt situation might become easier to handle. If a debt problem persists,the CCS can be engaged to work out a solution to stave off unresolved debts. Financial advisers may also be consulted to better streamline finances and handle monthly expenses,thus ensuring a more secure and better retirement in the future.

Have you ever seen an incorrect post thumbnail displaying on your screen whenever you share your articles on Facebook? Most WordPress users who work with Facebook face this common issue.

This issue involves your image not matching what your blog post says. In short,Facebook fails to recognize a suitable image to use in representing the blog or article you shared. Though this may sound like a “soft” problem,some people get frustrated if your images do not go alongside what is in your article or blog post.

In fact,it is among the things you should ensure that Facebook shows precisely. However,in most cases they make guesses of images to use on shared posts. Therefore,you must provide them with an ideal image to avoid guesswork.

In this tutorial,we’ll show you how to resolve wrong thumbnail issues in WordPress for Facebook.

As always,if you find yourself wanting a pro to handle this task for you,contact us at Helpbot here: 

Why Does Facebook Show Incorrect Thumbnail Image?

There exist multiple reasons,which hinder Facebook from making the correct guess of an ideal thumbnail image. Among the most usual reasons is availability of many images set in the Open Graph (og): image tag. Here,your featured image appears smaller than other images.

Facebook utilizes the Open Graph (og) tags. On the other hand,WordPress plugins such as WordPress SEO by Yoast adds them automatically to your website to avoid missing thumbnail problem.

Other additional causes for this problem are missing og Meta tag for thumbnail image,CDN conflicts,caching plugins,and others.

Since there is no specific error message displayed when you use a debugging tool,it is difficult to guess the cause of the issue. Nevertheless,below are some easier things you can undertake to ensure Facebook selects the correct thumbnail for your posts.

How do You Fix Facebook Incorrect Thumbnail Issue in WordPress?

Here are a few but effective methods you can use to resolve this problem:

1. Manual Upload of Your Thumbnail Image

This method is not always dependable and does not work in all instances. However,it is sometimes the easiest and quickest solution.

What next after sharing a post on your Facebook page and it fails to pick up an ideal thumbnail? just click on the Add Image (+) box for easier uploading of your chosen image. After that,select that image to be the thumbnail of your post.

It is worth noting that your uploaded image gets stored in the photos area of your Facebook page. You can delete it from the photos if it is your wish. Even so,Facebook continues to display the uploaded image like the thumbnail for that article in your timeline.

The downside of this solution is that it does not affect all other users.Therefore,if any user shares your article,Facebook shows an incorrect thumbnail on their timeline.

The next step caters for this issue.

2. Instruct Facebook to Utilize a Thumbnail of Your Choice

To instruct Facebook to use your preferred thumbnail,you must use the WordPress SEO Yoast plugin. This plugin allows you to set a defined thumbnail image for Facebook.

To write a post,go down to Yoast SEO Meta box that is below the post editor screen. After that,click on the social tab (appears like three connected dots). As a result,you will have a view of an upload image button.

Click it to upload your chosen thumbnail image for Facebook.

Yoast Dashboard>>SEO>>Social>> Facebook tab>> Enable Add Open Graph Meta data.

The Facebook tab has three options:

1. Facebook image: It enables you to override the image on Facebook through upload of an image or pasting its URL. Even so,ensure your chosen images are approximately 1200x 630 pixels.
2. Facebook description: Instead of using the original description from Facebook,you can use your own meta description.
3. Facebook title: Rather than using the original title that you had before this error,you can opt to use another title alongside the new upload.

In most cases,this fixes the problem. However,at times Facebook continues to display an incorrect image. In such a case,Facebook has cached an older copy of your blog post. You need to reset your Facebook cache to fix this problem.

Btw,if this process is getting to difficlut for you,and you’d prefer to have someone else do it,contact us here.

3. Use of a Facebook Debug Tool

The use of a Facebook debug tool is the easiest and fastest method to troubleshooting the implementation of Facebook open graph on WordPress website.

Before you proceed,ensure you log in to your Facebook account.

Next,copy the URL of your WP post and then paste it in the debug tool. Here,Facebook applies their best guess method to select a thumbnail image. However,if an article contains larger images,then Facebook will utilize those images instead of the smaller ones. Although there is no explanation for this,pressing the debug button again on the URL fixes this error.

In short,the Facebook debugging tool informs you what is wrong and how to resolve the problem. For example,it lets you know that your image is smaller,and in order to fix that,you need to use a bigger image.

Conclusion

We hope this article helped you repair the Facebook incorrect or no thumbnail problem on your WordPress site. Whenever you plan to post an article or blog post on Facebook,follow the above instructions to avoid this error.

Apart from helping you in ensuring your Facebook thumbnail is correct,one of the above solutions allows you to modify the Meta descriptions and titles.

If you have any comment,suggestion,or question about how to fix Facebook incorrect thumbnail issues in WordPress,contact us at this link: -

If you understand what digital marketing is,you should understand how reliable it has ended up being today. Well,in some cases it is found that newbies deal with a few typical misunderstandings about SEO digital marketing. And eventually,they have to taste early defeat in this difficult market. Think it or not,I have likewise gone through the same scenarios. This is why; I feel I need to inform you what things can primarily have unfavorable impacts on your digital media marketing efforts.

It is no doubt that in this technology driven world,digital media based marketing has given the business development a brand-new boosting towards faster growth. However following are some typical errors that a newbie should prevent:

1. Higher time usage versus fewer outcomes: The very first thing that dissatisfies a beginner is time versus outcomes. It is a fact that there is barely any route to success (other than pay-per-click advertisement) in the digital or the internet marketing sphere! When you begin to begin market your business online,you have to wait and watch for outcomes for a long time. After a few outcomes,rework on method can lead to expected outcomes. However this does not suggest that you should quit working on digital media based marketing ploys. Something you need to remember or convey to your superiors that results of digital marketing stay for a long period of time. As soon as the circulation of business beings,it does far much better in profits collection than off-line marketing procedures.

2. It is too technical and hard to track or measure: I can personally inform you that I have encountered individuals who simply try to negate digital or internet marketing as it is a bit technical. Some of my pals and even customers are heard to state,”You individuals much better comprehend things as you have the technical knowledge”. However let me inform you my pals,I am not technical person and I do not hold any technical degree. Yet,Googling around and with the assistance of a few of my pals,I am now easily managing my own website’s internet marketing procedure. And discussing the tracking procedure,I can state there are many tools to evaluate and trace the output of your digital marketing efforts. For instance,there are numerous keyword analysis tools that assist you understand the best keywords or expressions that would assist you move forward and surpass your rivals on Google search results.

3. You need to invest lump sum loan for success: Another problem that can actually impact a beginner to take the very first firm action in the domain of digital or internet marketing is a cash problem. Some individuals have a big mistaken belief that digital or internet marketing implies an investment of a significant part of your marketing spending plan. However this is not real. Whether you employ any digital marketer or yourself begin to operate in this domain,extremely small financial investment can begin showing you higher outcomes. You can anticipate much better results from other standard marketing ploys even. There are many free strategies that can be executed to get direct outcomes.

4. SEO is going to die so stop this rubbish: There are many Big Brothers who have grown some deep knowledge in themselves about Google and SEO. They have the judgment – Google now does not allow or comply with standard practices of optimization of web pages (Meta tags,content etc.) so it is not necessary to invest your loan in digital or internet marketing (SEO is certainly the part of it). It would be much better to follow other strategies. These types of conceptions are absolutely nothing but misunderstandings about digital marketing! The on-page SEO (working on Meta and material) still has value to Google and other online search engine. Those ploys assist search crawlers to index and show the best outcomes versus the user questions. Yes,SEO strategies are ending up being advanced to bring the best outcomes to the consumers and it is not going to die till the online search engine are in the marketplace.

5. Social networking is all digital or internet marketing: In this age of ‘Facebook’,’Twitter’,’what’s Up’ individuals are growing a deep mistaken belief in themselves. They have begun to believe that social media marketing is all in all in digital marketing. If you can market you business in social channels,you then do not need to do anything else. However for the newbies I need to state,stop believing similarly! If you search,you would discover there are many other strategies that assist in bringing outcomes. Do not indulge your time entirely on social media marketing. For instance,you have to understand and work on making your online existence mobile friendly to reach the best variety of individuals. And to do that,you have to understand some key strategies that stand as a part of digital media based marketing.

Well,there are many other misunderstandings about digital marketing procedures. However I have tried to put forward only 5 misunderstandings that can lead a beginner to defeat! I have personally charred my nail falling in a few of such damaging misunderstandings. So I believe,everybody should investigate well and learn the fact. There are many blogs of experts that can assist a beginner to success in digital and internet marketing. For instance,Google’s Spokesperson Mr. Matt Cutts has a blog where he shares his great ideas on digital and internet marketing great practices. Such blogs and helps are many and following those,success is bound to come for a beginner. I wish the above points would assist you all succeed in avoiding typical misunderstandings of digital marketing. Know the fact and get the success.