Google is the best search engine in the world period!.

Many of our clients have asked us how important it is to use google ad words and to rank high on the search engine.

We can tell you that it is very important to rank high on the google search engine.

It is important that you also rank high on search engines like yahoo and Bing, but google has a 95% market share when i comes to search engines.

So making sure that your company shows up high in the rankings on google is very important when it comes to customers finding your company.

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But you can find out more on how you can use the SEO marketing to your advantage by becoming a client of ours true our shop.

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Is very important to your business that you understand how customers are looking for a product or a service online.

It is said that you need to rank high on google as a business to be successful, and many companies try and sell you the first page ranking access.

And this is true, but you can also make sure that your business ranks high locally or in the country you want to offer your products or services.

And getting your business to the first page of a google search is goanna cost more money than most small and medium companies can afford.

When you are basing your marketing on so called keywords make sure that you then use the right keywords for your business.

If you have a set marketing budget, then you should use 80% of that on google if you are looking to sell products or services.

There are benefits to marketing on Facebook if you want exposure for your business brand and to communicate with potential customers.

Because Facebook ads are not that expensive to begin with.

But when you use google ad words you have customers online who is looking specially for a service or a product.

Because on Facebook people are more often that not just browsing around and liking things.

Which can come very handy for smaller companies.

But as always when you make a marketing budget you need to know how much you can afford to spend over the year.

Because understanding how much money you have for marketing will be a decider if you can run a short blitz Campaign or if you should grind it over the whole year.

For some companies the blitz strategy Works better because you have only a limited budget to spend so you want a lot bang for your buck so to speak.

If you count that you have 1000 dollars to spend on marketing for the whole year for your business, you have two choices you can make.

So you can spend 3 dollars a day for the full year, or spend 200 dollars per week , five times a year.

So you have to figure out what works for your business, because when you market your company it will be one of the most important things you can ever do to reach success in your field.

Take care.

Mrlifeadvise.

So a lot of people wonder how you go about building up a good credit score?.

The reality is that it is a combination of hard work, and being laser focused on not being late with you payments.

So one of the best ways to build up your credit score when you are young and you have a lower paying job, is to use credit cards.

Some financial adviser refuse to accept that this is a really good way of building up your credit score.

But the risk here is that you should not treat the credit card as free money, you should only use it to pay for your normal monthly costs that you would normally pay otherwise cash or with a debit card.

So the way you use credit cards is to apply for 5 different once when you turn 18.

And always do your own research on the different cash back offers from different credit cards companies.

So usually take the cashback offer rather than loyalty points, these points have a tendency to get worth less for each year that goes by.

We usually recommend that you take out between 1000 to 2000 dollars in credit per card.

So a total sum of 5.000- 10.000 dollars, divided up on five different cards.

The important thing is that you have at least two jobs prior to you taking out the credit cards.

Taking on debt is always a risk and you should be very careful when entering into debt.

So our recommendation is that you always pay your credit card bill in full each month.

And If you have five different cards use them like one card per month.

So let us say that you normally buy gasoline and grocery’s and other items for 1000 dollars a month, then use one card per month and pay your bills in full every time.

Using credit cards as an emergency fund?.

And When you are young, you have not been able to gather a lot of money into your emergency fund.

So sometimes these credit cards can come in handy if your pet get sick or you have to visit an emergency care clinic for instance.

But be very disciplined when you take out credit cards.

This is not free money, this is money that you need to pay BACK from your own BANK account each month.

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Take care out there.

Mrlifeadvise.

So how can we help each other out during a very difficult upcoming year of 2021?.

So one thing that is crystal clear to all of us who are not politicians around the world is that we are on our own.

After a brutal 2020 where we have seen more small business since the great depression of the 1930s go under, we know we are in trouble financially around the world right now.

Many have lost their jobs and are now goanna get evicted starting in the first week of January.

So there are over 15 million Americans risking homelessness when they get their eviction notice the first week of January.

The sheriffs office will have a lot to do, and for some familes they can remain until March in their current homes.

Due to the massive overload in evictions being carried out starting in early January.

One of the things you can do as a fellow American is to try and help the homeless single mothers and fathers who have nowhere to go, when they get evicted come January.

So sharing is carrying, and what we mean by that is very simple, do you have a spare room in your house or apartment?.

Do you have one room you are not using for more than storage?.

Do you still have your job?, can you do something for your fellow man or women.

We know the politicians are not goanna help anybody out in this crisis.

So we have to solve these issue on our own as proud hard working Americans.

So it is a personal sacrifice to offer a room to a single parent with kids in your home for a 6-12 month period until they can get back on their feet.

But we have also forgotten the sacrifices former generations have made for us in the past.

And we really need to wake up during 2021 and look each other in the eyes and say you are a human i am a human how can we help each other out going forward.

If you are ready willing and able to make that sacrifice for your fellow man or woman or child, you are then doing a great service to your country.

America is a disgrace when it comes to universal health care, Europe is 40 years ahead of America this is a fact!.

So we need to start changing our country to the better, and that starts with everyone who still has a job and a home to ask themselves the difficult question, what can i do to help the less fortunate ones in my community?.

So we have to start and see the real problems in our commnity and start acting and not wait for the governement to fix these issues.

Because the only thing that the government is good at is taxing you and wasting your tax dollars.

So take care out there and take care of each other.

www.mrlifeadvise.com

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So 2020 has been a rough year for almost everybody, and we want to wish all of our clients and readers a happy Christmas and a happy new year!.

And for our clients who does not celebrate Christmas we want to wish you happy holidays.

So let us now try and get true 2021 together we need to lean on each other during the upcoming year.

Take care.

Mrlifeadvise.

• 

So what can we expect from the world economy in 2021?

We have talked about this a bit in our previous posts and of course things are constantly changing in front our eyes month for month.

There are some real issues with our economies that we need to talk about and we need to come up with solutions that will help everybody not just the people that where well off when the Covid-19 pandemic started back in March 2020.

We have in America roughly 30 million small businesses and and 1/3 over 10 million of them is on the brink of closing for good!.

We do not think that governor Gavin Newsome out in California or governor Andrew Cuomo out in New York really understand what small business owners are going true on a daily basis.

More than 40% of the small business owners in the US where not able to pay their commercial rent in November and it is estimated that over 50% of the small business owners will not be able to pay rent in December.

As small business consultants we here and see this everyday in our line of work.

And for us it is more difficult than it has ever been to advise our clients on what step to take to save their small or even sometimes medium sized businesses.

Many around the world is hoping that this past year 2020 was a nightmare that we will wake up from in 2021.

The bad news is that even with different vaccines available on the open market in 2021, it will take at least 8-9 months to vaccinate more than 70% of the population who is willing to take the risk with a new vaccine type.

So we can forget travel for leisure and many business travelers will remain in front of their computers with ZOOM and similar virtual meeting options.

The only ones that will travel for business will be the companies that have to add a new supplier, or having to go and meet a new potential client, that has to be meet in person.

If we look at the numbers from the IRS, we can see that the numbers for withheld federal income tax is down by almost 20% and that is a lot.

This really tells us where the US economy is today, and where it is heading during next year 2021.

The sadness our clients feel this year is right out scary to us, even if we are very experienced business consultants who remember the 70s oil crisis and the 90s unemployment, not to mention the financial meltdown in 2008-2011.

What do you do when you can not make rent as a small business owner?.

You will have to look towards government support which is very hard to come by these days.

The reality is that many companies have kept their doors open by maxing out both corporate and private credit cards and also taken on very expensive business credits and loans.

So what will then happen in 2021 when all these business and private credits will come due?.

The very brutal reality is that we will see a tsunami of bankruptcies both on the commercial and on the private side.

Figuring out the solution to these financial problems is quite easy.

The solution is that governments around the world will have to go in and financially support small business owners with both PPE and PPP loan forgiveness but also setting up loan possibilities for the small business owners at a good rate for the borrower at maximum 5% interest per year.

Because the consequences of governments doing nothing is a nuclear financial meltdown never ever seen around the world before, starting in 2021.

So let us hope that we can together unite as one unit working towards a common goal, and get true 2021 together.

Take care out there.

Mrlifeadvise.

So is 2020 the worst year in human history due to the Covid-19 corona pandemic?.

Maybe it is the worst year in human history, we can not really argue against that claim, since there is not a single country that has not been badly affected by this global pandemic.

So we can see from the amounts of emails we get on a daily basis from our smaller and medium sized clients, that this year has been the worst in almost all of our clients lifes from a financial standpoint.

The 2008-2011 financial crisis does not even come close to the level of pain people and small business owners are feeling today.

We have calculated that 50% of our clients that own restaurants, hotels and brick and mortar stores will not re-open again in 2021.

And these numbers are close to the once that are coming out of New york.

So we have a real tsnuami of bankruptcys coming for small business owners in 2021.

We know that many creditors have held off for the past 9 months time and waited to see if we can wait our this pandemic, but now we have information that court cases opened by creditors will start to go true courts in January after the holidays.

What a lot of people do not know is that almost all small business owners are liable to some extend for their business credits or business loans.

Big banks and big credit firm does not care about the little people what so ever.

The big question will be in 2021 where is the jobs goanna come from when 50% of restaurants, hotels and brick and mortar stores will not re-open again.

And what is really frustrating is that many of the jobs that have been lost for a long time are jobs that people between 20-35 years of age are working in.

For many it is the first real job that they have had, so this is very sad.

There is also another problem with these lock-down messures and that is that we are printing money like never before and we are kicking the can down the road, and our children and grandchildren will have to pay the financial price for our lock downs now in 2020.

So what is the solution to all of this?, we have said from day one that from June the first eveything should have been re-opened and everybody would then we responsible for their own saftey going forward.

Since the COVID-19 was a new virus so to speak, even if the Corona virus has been around for a long time, we can understand some safety messures for 45-60 days back in March , but that should have been it!.

Working from home is a luxuary that 30% of the workforce have had the oppertunity to explore.

Many are starting to get feed up with working from home and not having the opportunity to meet co-workers, to go to lunch and even go out with colleges to happy hour now and then.

Our heart breaks for all the small business owners that will not only lose their business/livelihood but also loose their home to their bank/creditors next year 2021 when the courts re-open for cases again.

So when we hear clients say that 2020 has been the worst year ever in their life, it is very difficult to disagree.

It takes years some times decades to build a functioning business, but you can tear it down and lose it all within a years time, this is something we have truly seen during this year 2020.

So buckle down, for a very ruff 2021 , we are almost scared to advise our clients for next year, since we know that there are no easy fixes out there and everything that needs to be done will be very painfull.

Take care out there.

Mrlifeadvise.