Monday, June 26, 2017

Tips on Starting a Website

Every business today needs a website.  Without one, you lose visibility and competitive advantage.  To be competitive with your industry, you have to do what the competition is doing and do it much better.  A Facebook account is good, but won’t cut it if you’re serious about growing and expanding your business. You need a website to stay competitive, to earn trust, to keep customers in the loop, for marketing and for search visibility.

Where do you start?  Here is a helpful list to help you make some smart business website decisions.

Find a Good Web Host

There is a Plethora of Web hosts.  How do you decide?

Reviews are one of the best ways to help you choose a webhost.  A simply Google search of the web host + review can help you find more information about a web host and it’s pros and cons.  Referrals from other techies and forums can also be helpful.  Be careful of comments posted by paid posters.

If you’re just starting out, you probably don’t have the budget to hire a programmer to code your website. Search for web hosts that offer modular, user-friendly design features.  There should be enough variety so that your website doesn’t end up looking cookie-cutter.  If you do eventually want to hire a programmer to customize your site, make sure the web host service is just as useful for professionals as it is for novices. Look for mention of a script library and raw access logs at the very least.

When doing your research, keep in mind and look for these features and services:

  • Are there hidden fees?
  • Is there tiered pricing, is the webhost scalable and do they have room to grow?
  • How are the load times?
  • If you are inexperienced, is there a free professional website builder?
  • How long has the company been in business?
  • Does the web host have a dedicated customer service department? Are they easy to reach?
  • Is their contact info displayed prominently, and is there an option to both call and e-mail?
  • Does the web host offer help pages and resources to guide you through the process of setting up your site? Try calling the customer service phone number just to see how easy it is to reach a real person.

Choose a Memorable Domain Name

When you finally find the right web hosting service, the first thing you’ll have to do when setting up is to choose a domain name.  Often good domain names are taken.  You will have to do a whois lookup to see if your domain is available or for sale.

When deciding on a domain name, remember to make it memorable and uncomplicated (avoid hyphens, numbers and unconventional spelling, for example) to ensure your business can reap all the benefits of word-of-mouth advertising.

Choose a Responsive Design

Modern websites should be mobile friendly.  Estimates show that the number of mobile connected devices will be over 11.6 by 2020.

Google  gives kudos to mobile-friendly websites, giving priority and visibility to mobile enabled sites when searched from mobile devices.

A responsive design can improve user experience when done correctly.  Online retailers that utilize responsive design are generally seeing consumers respond positively to the mobile experience with decreased bounce rates and increased page views from mobile and tablet sessions.

Responsive sites make it easier to view products and content.  As users and key site traffic stats such as page views increase, consumers are more likely to complete transactions on mobile and tablet devices, especially when the check-out process is catered to these devices. Studies show that major brands have noticed a mobile and tablet conversion rate increase of over 20% since making the switch to a responsive designed site.

One of the major challenges with websites is the need cater to various size screens, sometimes having to develop multiple websites to cater to these devices and resolutions. With a responsive designed site, the same content is utilized for desktop, mobile, and tablet devices, scaled to the resolution of the device. All traffic via mobile and tablet devices through a responsive designed site will utilize the same, thus increasing the total site traffic and backlinks to that URL, boosting rankings on search engines.

Search Engine Optimization

Providing high-quality content has always been regarded as a white hat SEO technique and improves your website position in search engine rankings.  Topics you might cover include informational articles about your products or services, interesting images, and reviews that gives more data about what people can expect from your services.

Content should be audience-friendly and should engage your readers.  Research and use high volume keywords in your titles, headings, and content written to promote your services, products and brands.  Engage your customers, provide call to action, commenting when relevant, etc.

If this is all over your head, hire a legitimate search engine optimization company or learn to do it yourself.  Search engines have a very complex system for determining the value of a given link, but they do all agree that links are among the most important factors in determining the relevance of a particular site to a given query.  That’s one of the reasons why, for example, websites that have been around longer are given more weight, but even links from new sites can be beneficial. Obtain links to your site through guest blogging, social media, directories, local directories, or simply ask for a link.

The topics mentioned above are great places to start.  The work doesn’t stop at simply just building a website however.  Use other websites and platforms to your advantage.   Create content, optimize for higher volume or niche traffic, and share on various social media platforms.  Build reviews and make your business marketable, make your website searchable, and ultimately convert visitors into customers.  Do what your competitors are doing.  Do it more (if within your means), and do it better.

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Current Mortgage Rates for Monday, June 26, 2017

Welcome to the Total Mortgage Current Mortgage Rates Blog. There’s some economic data out today, but first, your daily mortgage rate forecast/advice.

Where are mortgage rates going?

Busy week could create volatility

The economic calendar for this week is jam-packed. Not only are there nearly half a dozen important economic reports (durable goods, Q1 GDP revision, PCE inflation, etc.) getting released, but we also hear from a handful of Fed officials including Fed Chair Janet Yellen.

Click here to get today’s latest mortgage rates (Jun. 26, 2017).  

Already this morning we’ve gotten the durable goods report. Unfortunately, it was a disappointing 1.1% decline for the month of May, putting new orders at 2.7% year over year. Analysts were expecting a drop, but only one of 0.4%. Another big negative in the report is a 0.2% drop for core capital goods.

Once the report broke, the yield on the 10-year Treasury note (the best market indicator of where mortgage rates are headed) quickly tumbled a couple basis points down to 2.13%. That’s only one basis point (one basis point = 0.01) off of its lowest position of the year.

Mortgage rates tend to follow in the footsteps of the 10-year yield, so rates are trending a little lower this morning. Moving forward this week, we could see rates ebb and flow with the economic data.

Last week, it was clear that financial market participants aren’t going to be easily jolted out of their skepticism by Fed officials. The huge disconnect between when investors think the Fed will hike and when the Fed says it will hike remains, with the former believing in a much slower trajectory than the latter.

It’s still important to keep an eye on all of the Fed speaking engagements this week, but it’s definitely taking a backseat to the hard data.

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What does this mean for me?

Lock while rates are low

It’s a busy week. That means that there are plenty of chances for rates to rise or fall. The good news is that mortgage rates are at some of the lowest levels they’ve been at all year. The Freddie Mac Primary Mortgage Market Survey last Thursday showed that the average rate on a 30-year fixed rate mortgage was 3.90% (0.5 points).

The lowest reading of the year so far was 3.89%, from the beginning of the month. Obviously, mortgage rates are at very accommodating levels and anyone who is planning to refinance or purchase has picked a good time to do so.

To get the most accurate idea of what kind of rate we could offer, you should fill out our short form and get a personalized rate quote. Or, if you’d rather talk to someone, you can always call one of our experienced mortgage specialists.

They can walk you through the same process, clarifying any questions you may have, and let you know what your custom rate quote is.

Today’s economic data:

Fedpseak

  • San Francisco Fed President John C. Williams at 1:10am.

Durable Goods Orders

Durable goods orders came in at a disappointing -1.1% in May. Core capital goods fell -0.2%.

Notable events this week:                                                                           

Monday:       

  • Fedpseak
  • Durable Goods Orders

Tuesday:  

  • Fedspeak
  • S&P Case-Shiller HPI
  • Consumer Confidence

Wednesday:

  • Fedspeak
  • International Trade in Goods
  • Pending Home Sales Index
  • EIA Petroleum Status Report

Thursday:   

  • GDP
  • Jobless Claims
  • Fedspeak

Friday:    

  • Personal Income and Outlays
  • Chicago PMI Consumer Sentiment

Rates are still near 2017 lows.  Contact us today to see if we can save you money on your home payments. 



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Quick Surveys Get Better Results

Who has time for a 20 minute survey?  Unless you are paying participants big bucks, you might not get as many participants as you would hope for. Looking for higher response rates and detailed reporting? This application may be for you.

Customer Thermometer gives you the power to ask what you want, when you want, and get an instant answer. You can act immediately — fix problems as they arise and identify and reward great service.

Studies

Studies show that participants were more likely to answer a 4 question survey vs a long 20 minute survey, especially without incentive. Like a Youtube video, customer engagement is difficult to maintain after a few minutes; same with  customer surveys.  Long surveys may even lose you customers.

Response Rates

caption

Put that question in their face, and enable to answer it anytime, anywhere, on any device.

In this review driven world, customers provide feedback in many forms; reviews, word of mouth, directly to the business or manufacturer, etc., and most customers are actually happy to provide feedback.  To retain your customers, you need to address their issues right away, but how do you know of any issues if you don’t ask?

Sometimes, how you ask for that feedback will determine how much feedback you will get.  When providing surveys, you should be able to provide a means to answer your survey on any platform.  Most of the time, convenience in answering your questions is what gets you answers.

Features and Setup

Setup is as easy as creating a template and sending through the system’s integrating campaign manager.  You can also send through 3rd party apps or embed and integrate into a CRM or helpdesk service.  You can even embed survey questions in your email footer.

While the output looks very simple, the options available are feature rich.

Create Short Customer Surveys

Originally posted 2016-05-06 17:17:29. Republished by Blog Post Promoter

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Saturday, June 24, 2017

How to Avoid Email Scams

There are various email and online scams that have plagued our inboxes for many years.  Some emails try to get you to open a zip file, click a link to execute a virus, or open a back door to your computer.  Many others try to phish your sensitive information and many others are scams that target your bank account.  Many of these emails scams almost seem legit, until you get far deep into it that sometimes it’s difficult to turn around or get your money back.  Here are some scams you should be aware of.  Don’t get caught in these traps!

Many are on alert about phishing scams, virus, and credit card fraud, but not many are educated about bank account scams that target a victim’s cash reserves.  Often people are not aware of how the other party benefits from these scams.  Here is some information on a few scams that you should be on alert and aware of:

Phishing Scams

Phishing Scams are typically done by email spoofing or messaging, often directing users to enter account details at a fake website that looks and feels almost identical to the real one.

paypalscam

How to avoid scammed: Always look at the domain to make sure it matches the real website.  Sometimes domains might be skewed to look like the real one, so make sure it is is the domain that is supposed to be there.  If you are unsure, call the company’s support directly.  Do not click links, download files, or open attachments.   Never email personal or financial information and beware of links that ask for it.  Beware of popups and guard against them and spam.  Protect your computer with antivirus, firewall, spam filter, and anti-spyware software.  Check your online accounts and statements regularly and change your passwords as a precaution.

Award Scams

Have you ever got an email or phone call that you just won a lottery, sweepstakes, or foreign lottery without ever participating?  These can also often come in the form of a beneficiary fund award.   Well, if it’s too good to be true, it probably is.  The victim would participates might be sent a large check deposit into their personal checking account.  Crooks may request information about your bank account or debit card giving them full access to your checking account.  They will them be asked to wire a portion of the funds to pay for government taxes and administrative fees.

beneficiaryscam

How to avoid scammed: Take note that if you didn’t enter, you didn’t win.  It is illegal to participate in foreign lotteries via mail/phone in the United States.  Also, if you win a lottery, you are not responsible for paying the taxes or fees directly to the government.

Charity Fraud

The “Charity Fraud Scam” may come in the form of an email or phone call.  The scam involves requests for sympathetic donations.  Crooks will request information about your bank account or debit card giving them full access to your checking account.

scam

How to avoid scammed: The safest way to give to a charity is by choosing a familiar organization.  Always be cautious about giving your information to individuals who reach out to you by phone or email.

Check Cashing for a Stranger

The “Check Cashing for a Stranger Scam” can work online or in person.  However you obtain the check to be cashed, ultimately, the other party will ask you to cash the check because they  do not have a bank account.  In exchange, they will give you cash for your time and trouble.  You may walk away feeling accomplished, but here’s the catch.  The check in the bank has not yet cleared, and you just pulled money from your funds and handed it over to the criminal.

How to avoid scammed: Never cash a check for anyone.  People can get their checks cashed at a check cashing business for a fee and therefore does not make sense that they are asking you to do it for them.

Work at Home Job Scams

There are many forms of “Work at Home Job Scams”.  One of these scams involves offering a job that requires people to transfer funds through their checking accounts.  The victim is often offered a commission in exchange for facilitating money through their personal account.

How to avoid scammed: If you are offered a work from home job for minimal work and high pay, it sounds too good to be true, and probably is.  Any job opportunities that involve sending money in advance or a portion via wire transfer is probably a scam.  If you receive a check in return, make sure that the check clears prior to committing to anything and that there are no discrepancies, typos, or red flags that might cause the check to be fraudulent.

Check Overpayment Fraud

The “Check Overpayment Fraud Scam” often targets online auction and classified ad sellers.  The fraudulent buyer often pays a seller with a non-cash payment (check, money order, U.S. postal money order or other similar items) for more than the amount of the item.  Scammers will often be pushy as they need to act quickly to prevent the seller from verifying the check.  The seller may be asked to deposit the check immediately or wire a difference to the buyer.  The fraudulent check will eventually bounce and be returned which will cost the seller a return fee, a wire transfer fee (if applicable), and accountability for the check amount which they are unable to reverse.

How to avoid scammed: Avoid accepting check, money order, U.S. postal money order or other similar items as payment when selling online.  You can avoid being a victim as well by calling the bank to verify legitimacy, where payment was issued.

Other names for these scams

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Related:
Be careful of today’s ATMs and Card Readers
How to Protect Yourself Against Phishing Scams
How to Report Spam Email
How to Avoid Email Scams

Originally posted 2015-08-10 00:00:53. Republished by Blog Post Promoter

The post How to Avoid Email Scams appeared first on Information Technology Blog.



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Friday, June 23, 2017

Current Mortgage Rates for Friday, June 23, 2017

Welcome to the Total Mortgage Current Mortgage Rates Blog. There’s some economic data out today, but first, your daily mortgage rate forecast/advice.

Where are mortgage rates going?

Rates flat – Stay near 2017 lows

Some weeks are more exciting than others. Unfortunately for mortgage rate watchers, this one was on the tame side of things. There were a couple mild movements throughout the week, but ultimately, mortgage rates are on track to head into the weekend basically right where they were on Monday.

Click here to get today’s latest mortgage rates (Jun. 23, 2017). 

The good news for borrowers is that this means rates are still at some of the lowest levels they’ve been at all year. The Freddie Mac Primary Mortgage Market Survey (PMMS) came out yesterday and it showed that the average rate on the 30-year fixed rate mortgage moved one basis point lower to 3.90% (0.5 points).

That’s just one tenth above the lowest reading of the year. Clearly, right now is a borrower friendly environment, so anyone looking to refinance or purchase a home has picked a good time to do so.

We do hear from several Fed officials today, which means it’s possible that there could be some jawboning that pushes rates higher, but that’s far from a guarantee. So far, the word out from the Fed has been a mixed bag of optimism and pessimism about the current rate path.

Looking ahead to next week, there will be more significant economic reports out, including Durable Goods Orders, GDP, and Personal Income and Outlays. Financial market participants want hard data, and not Fed rhetoric, so if these reports swing positive or negative, we could see rates rise or fall.

Freddie Mac PMMS:  

  • The average rate on a 30-year fixed rate mortgage fell one basis point (1 basis point = 0.01) to 3.90% (0.5 points)
  • The average rate on a 15-year fixed rate mortgage fell by one basis point to 3.17% (0.5 points)
  • The average rate on a 5/1-year adjustable rate mortgage fell by one basis point to 3.14% (0.5 points)

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What does this mean for me?

Now is the time to purchase or refinance

With mortgage rates at some of the lowest levels they’ve been at in months, anyone looking to purchase a home or refinance their current mortgage should seriously take some action and find out what kind of deal they could get.

There is definitely the possibility for many borrowers to refinance and save on their monthly payments. While there’s no signs of immediate movement on the horizon, the path of mortgage rates is incredibly hard to predict and often results from unseen events.

To get the most accurate idea of what kind of rate we could offer, you should fill out our short form and get a personalized rate quote. Or, if you’d rather talk to someone, you can always call one of our experienced mortgage specialists.

They can walk you through the same process, clarifying any questions you may have, and let you know what your custom rate quote is.

Today’s economic data:

Fedspeak

  • New York Fed President William Dudley at 8:15am
  • St. Louis Fed President James Bullard at 11:15am
  • Kansas City Fed President Loretta Mester at 12:40pm
  • Fed Governor Jerome Powell at 2:15pm

PMI Composite Flash

The PMI composite fell almost one point to 53.0 in June. The manufacturing index also fell several tenths of a point to 52.1, as did the Services reading to 53.0.

New Home Sales

New home sales for May are up to an annualized rate of 610,000 in May. That’s higher than both the prior revised reading of 593,000 and the consensus for 590,000.

Notable events this week:                                                                          

Monday:       

  • Fedspeak

Tuesday:  

  • Fedspeak

Wednesday:

  • Existing Home Sales    
  • EIA Petroleum Status

Thursday:   

  • Jobless Claims
  • Fedspeak

Friday:    

  • Fedspeak
  • PMI Composite Flash
  • New Home Sales

Rates are still near 2017 lows.  Contact us today to see if we can save you money on your home payments. 



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Thursday, June 22, 2017

How online fraudsters use genuine, stolen personal data that passes data check

One of the biggest challenges we are facing right now is online fraud, as it is so prevalent and no one is safe.

One of the biggest challenges we are facing right now is online fraud, as it is so prevalent and no one is safe.

Online fraud is where criminals use unsolicited messages, emails or websites to get access to people’s information. Tactics being used by online fraudsters are so dangerous and keep on changing but their particular patterns to keep an eye.

With the rise of more people using their handsets for online shopping and banking, they become prone to cybercrime. It’s becoming trickier every day to protect all your available internet devices.

Phishing scams and Pharming scams are the most popular ways that fraudster use to steal information from people. Phishing scam urges the victim to enter vital personal information on a website or reply directly to the email. They use emails from reputable firms such as banks or social networks like Twitter or Facebook. Pharming is a bit complicated to detect as it doesn’t need a click. It automatically redirects visitors even after typing the correct website.

A fraudster can use your details to:

  • Open bank accounts
  • Order goods and services in your name
  • Control your existing accounts
  • Acquire documents such driving licenses and passport in your name
  • Access loans, state benefits, and credit cards
  • How can you combat online fraud?
  • Check your bank statements

How to protect your data

With the online banking, it has become easier for online fraudsters to get bank details. Bank alert when they detect suspicious activity but only you who knows how you have been spending your money. Regularly check you bank balance

Be alert when opening attachment

Be cautious when opening email attachments from an unknown sender. Most destructive viruses spread through attachments and when opened the fraudster can have all your details.

Use strong passwords

Secure password makes it difficult for hackers to access your details. Mix upper and lowers case with numbers when selecting your password

How identity fraud can affect you

Identity fraud can hit your finances hard; fraudsters could acquire credit card in your name or take money from your bank. Your credit score may be hurt by their action and affect your chances of accessing credit card in the future.

Identity theft could take an emotional toll on you; despite the fact that effects of fraud are reversible the process may take long than the actual fraud.

What to do if you happen to be a victim of identity fraud

Act quickly – the moment you suspect unusual activity on your account don’t panic but notify the bank immediately to avert more losses.

Report all stolen or lost documents- such as driving license, passport, cheque books or plastic cards to the relevant authority.

Report the matter to the appropriate organization if you suspect that you are a victim of identity fraud.

Conclusion

Online fraud has become rampant with the advance of technology, thus the need to protect your identity from getting into the hands of wrong people. Ensure you don’t give your personal details to over the phone or through the internet. Keep your personal documents preferably in a lockable drawer and always destroy unwanted documents before throwing them away

More information about Identity Fraud Solution

Originally posted 2017-03-20 18:59:54. Republished by Blog Post Promoter

The post How online fraudsters use genuine, stolen personal data that passes data check appeared first on Information Technology Blog.



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