Simple Finance Review » Finance http://simplefinancereview.com Independent Consumer Reports Wed, 15 Jun 2016 20:56:16 +0000 en-US hourly 1 http://wordpress.org/?v=4.0.11 Entrepreneurship http://simplefinancereview.com/3477/entrepreneurship/ http://simplefinancereview.com/3477/entrepreneurship/#comments Sat, 11 Jun 2016 02:55:54 +0000 http://simplefinancereview.com/?p=3477 When it comes to getting major influencers to help with your marketing efforts, you can be embarking down a treacherous path. While it’s crucial to on-board folks who have a lot of sway with your market, you have to be careful not to rub them the wrong way.

In some cases, it can be just as easy to either get ignored by the influencers altogether, or goad them into giving you the wrong kind of marketing.

Here are three do’s and don’t’s to pay attention to when you are trying to get influencers to help market your product.

1. Do choose your influencers wisely.
First, and probably most importantly, is to choose the right influencers to reach out to. You want to make sure their following is actually part of your market. That way, your message gets conveyed to people who will actually have an interest in what you’re promoting.

For example, in 2010 when author Shel Horowitz published his 10th book, “Guerrilla Marketing Goes Green,” he quickly identified that the appropriate influencers for his market would be newsletter publishers, bloggers, best-selling authors and the like. He reached out to these influencers, and saw tremendous results from the campaign.

Based on a Google search showing 1,070,000 responses for an exact-match search for the book title, I estimate that at least 5,000,000 people were exposed to the campaign (that would be a very low average of five people seeing each page).

Also, remember that bigger isn’t always better. Victor Ricci of Trend Pie says that “targeting the big name social celebrities is nice but doesn’t always have the best results. When looking to get the lowest CPI, engagement is much more important than follower count.”

Related: How Influencer Marketing Moves Beyond Raising Awareness

2. Do amplify influencer messages.
Influencers are often under tremendous pressure to drive traffic to their message, so anything you can do to help them do that will be noticed and greatly appreciated. You should find an influencer you greatly admire, and start amplifying their content by sharing it on your own social media networks. Be sure to tag the influencer so he or she knows what you’re doing.

Digital marketing entrepreneur Spencer X. Smith found out just how powerful this courtship could be when he began sharing articles by Cheryl Conner of Forbes. He would share her stories on LinkedIn and Twitter, always providing his own thoughts about the piece and how his audience might use it. As a result of his efforts, Conner actually contacted Smith to be the subject of a feature article at Forbes.

3. Do offer influencers something to entice them.
Sometimes, just building the relationship might not be enough. Many influencers need something a bit more tangible than just you sharing their message, so you need to entice them. This could take the form of a charitable donation in the influencer’s name or something more along the lines of helping the influencer get even more exposure.

For example, Cloudways struggled at first to get influencers to promote its new cloud hosting management platform. They pitched a list of influencers one at a time, and were either ignored or told they were being too pushy. While part of this might be a lack of relationship-building first, what finally worked for Cloudways tells “the rest of the story.”

Cloudways reached out to influencers again, this time inviting them to be interviewed for the company’s blog. This got the attention of several influencers, especially mid-level ones and the response was strong enough that Cloudways has published more than 120 interviews and has created a community that loves the company’s product and talks about it often.

-Steve Young

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Many University of Maine at Augusta Students Across the U.S. Are Qualifying For Student Loan Relief http://simplefinancereview.com/1236/many-university-of-maine-at-augusta-students-across-the-u-s-are-qualifying-for-student-loan-relief/ http://simplefinancereview.com/1236/many-university-of-maine-at-augusta-students-across-the-u-s-are-qualifying-for-student-loan-relief/#comments Mon, 25 Jan 2016 18:04:51 +0000 http://simplefinancereview.com/?p=1236 For many graduates of University of Maine at Augusta, they are told that the route to prosperity is to go to college and receive a degree. The problem is that millions of Americans have to go into massive amounts of debts  in order to afford the education they want.

Many Americans sign up for student loan debts thinking they are grants soon realize after graduation that this money needs to be paid back in full and with interest.

“When I signed up for The University of Maine at Augusta I was really excited. I wanted to become a get a job in the Business world. I didn’t hesitate to take out student loans because I figured I would be getting a high paying position once I graduated. I took out over $30,000 in student loans.

The education was amazing, but I really wasn’t prepared at all for the realities of getting a job in the business field. Now I have massive amounts of debt. I can’t buy a new car, nobody is hiring me and I get embarrassing calls about paying back my student loans. The worst part is my parents co-signed my loans and now they are worried they will never get to retire I feel like I ruined their life and mine as well.

I thought that I was going to use my Business Degree to get a high paying job, now I am in so much debt I can’t buy a car and I stay up crying thinking about how I’m going to give my kids a better future.

What You Can Do About It

If you or a loved one who went to University of Maine at Augusta is currently experiencing financial hardships because of overwhelming student loan payments you’re not alone.

Millions of Americans have fallen victim to unmanageable student loan debts from for profit schools. This is not unlike what happened with the financial mortgage meltdown of 2008. According to The Federal Reserve 37 million Americans currently have student loan debt.

The good news is that the American government has recently passed laws that will give millions of Americans currently struggling with student loan debt much needed relief. Call today to see if you qualify for lower monthly payments or student loan forgiveness today.

TEL__888-973-2213

 

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Many Stevenson University Students Across the U.S. Are Qualifying For Student Loan Relief http://simplefinancereview.com/1209/many-stevenson-university-students-across-the-u-s-are-qualifying-for-student-loan-relief/ http://simplefinancereview.com/1209/many-stevenson-university-students-across-the-u-s-are-qualifying-for-student-loan-relief/#comments Thu, 24 Sep 2015 03:51:59 +0000 http://simplefinancereview.com/?p=1209 For many graduates of Stevenson University, they are told that the route to prosperity is to go to college and receive a degree. The problem is that millions of Americans have to go into massive amounts of debts  in order to afford the education they want.

Many Americans sign up for student loan debts thinking they are grants soon realize after graduation that this money needs to be paid back in full and with interest.

“When I signed up for Stevenson University I was really excited. I wanted to become a get a job in the Business world. I didn’t hesitate to take out student loans because I figured I would be getting a high paying position once I graduated. I took out over $30,000 in student loans.

The education was amazing, but I really wasn’t prepared at all for the realities of getting a job in the business field. Now I have massive amounts of debt. I can’t buy a new car, nobody is hiring me and I get embarrassing calls about paying back my student loans. The worst part is my parents co-signed my loans and now they are worried they will never get to retire I feel like I ruined their life and mine as well.

I thought that I was going to use my Business Degree to get a high paying job, now I am in so much debt I can’t buy a car and I stay up crying thinking about how I’m going to give my kids a better future.

What You Can Do About It

If you or a loved one who went to Stevenson University is currently experiencing financial hardships because of overwhelming student loan payments you’re not alone.

Millions of Americans have fallen victim to unmanageable student loan debts from for profit schools. This is not unlike what happened with the financial mortgage meltdown of 2008. According to The Federal Reserve 37 million Americans currently have student loan debt.

The good news is that the American government has recently passed laws that will give millions of Americans currently struggling with student loan debt much needed relief. Call today to see if you qualify for lower monthly payments or student loan forgiveness today.

 

888-973-2210

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Sallie Mae Splitting Into Navient Has Many Anticipating Student Loan Forgiveness http://simplefinancereview.com/935/sallie-mae-splits-into-navient-many-expect-student-loan-forgiveness/ http://simplefinancereview.com/935/sallie-mae-splits-into-navient-many-expect-student-loan-forgiveness/#comments Mon, 16 Feb 2015 21:03:52 +0000 http://simplefinancereview.com/?p=935 Sallie Mae recently split into two companies. One of the companies will remain Sallie Mae the other company will become Navient.

This is causing economic hardships for millions of Americans who are unable to pay back their student loans.

To make matters worst the compounding interest on this debt creates a snowballing effect that makes it next to impossible for millions of Americans to ever get out of this painful debt obligation.

This debt is keeping many Americans from owning a home, starting a family, and even moving out of their parents home.

Starting a family seems like an impossibility right now. I thought I was going to achieve the American dream this is an absolute nightmare.

“When I got the chance to go to college I jumped on it. I took out over $30,000 in Federal loans. I figured that if they were backed by the government there had to be some sort of safe guard for me.

After graduating I just wasn’t able to find a job in the field I studied for and I started getting harassing calls from Sallie Mae about my loans. I’m extremely embarrassed and ashamed.

My family was so proud when I graduated now the reality has sunk in that I’m in so much debt that I can’t start a family, own a home, or even buy a car. I stay up and cry every night because I don’t see anyway to change my situation any time soon.

My parents are getting older and I’m worried about how I’m going to be able to care for them with all of this debt.” Denise Rivera a marketing major told us.

What You Can Do About It

If you or a loved one is currently experiencing financial hardships because of overwhelming student loan payments you’re not alone.

Millions of Americans have fallen victim to predatory unmanageable student loan debts not  unlike what happened with the  financial mortgage meltdown of 2008. According to The Federal Reserve 37 million Americans currently have student loan debt.

The good news is that the American government has recently passed laws that will give millions of Americans currently struggling with student loan debt much needed relief. Call today to see if you qualify for lower monthly payments or student loan forgiveness today.

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Sallie Mae Forced To Pay Back Nearly $200 Million To Student Borrowers http://simplefinancereview.com/922/sallie-mae-forced-to-pay-back-nearly-200-million-to-student-borrowers-2/ http://simplefinancereview.com/922/sallie-mae-forced-to-pay-back-nearly-200-million-to-student-borrowers-2/#comments Mon, 16 Feb 2015 05:51:07 +0000 http://simplefinancereview.com/?p=922
Sallie Mae struck a deal with federal authorities to resolve allegations that the nation’s largest student loan company cheated student loan borrowers who were being charged late fees.

The Department of Justice, Federal Deposit Insurance Corp., and Consumer Financial Protection Bureau are among the agencies investigating whether the company violated federal consumer protection laws and statutes that prohibit discriminatory lending,  and wrongfully processed borrowers’ monthly payments.

This is causing economic hardships for millions of Americans who are unable to pay back their student loans. 

To make matters worse the compounding interest on this debt creates a snowballing effect that makes it next to impossible for millions of Americans to ever get out of this painful debt obligation.

This debt is keeping many Americans from owning a home, starting a family, and even moving out of their parents home.

Starting a family seems like an impossibility right now. I thought I was going to achieve the American dream this is an absolute nightmare.

“When I got the chance to go to college I jumped on it. I took out over $30,000 in Federal loans. I figured that if they were backed by the government there had to be some sort of safe guard for me.

After graduating I just wasn’t able to find a job in the field I studied for and I started getting harassing calls from Sallie Mae about my loans. I’m extremely embarrassed and ashamed.

My family was so proud when I graduated now the reality has sunk in that I’m in so much debt that I can’t start a family, own a home, or even buy a car. I stay up and cry every night because I don’t see anyway to change my situation any time soon.

My parents are getting older and I’m worried about how I’m going to be able to care for them with all of this debt.” Denise Rivera a marketing major told us.

What You Can Do About It

If you or a loved one is currently experiencing financial hardships because of overwhelming student loan payments you’re not alone.

Millions of Americans have fallen victim to predatory unmanageable student loan debts not  unlike what happened with the  financial mortgage meltdown of 2008. According to The Federal Reserve 37 million Americans currently have student loan debt.

The good news is that the American government has recently passed laws that will give millions of Americans currently struggling with student loan debt much needed relief. Call today to see if you qualify for lower monthly payments or student loan forgiveness today.

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Senators Ask Dept. Of Education To Forgive Student Loans http://simplefinancereview.com/906/senators-ask-dept-of-education-to-forgive-student-loans/ http://simplefinancereview.com/906/senators-ask-dept-of-education-to-forgive-student-loans/#comments Sun, 15 Feb 2015 23:56:57 +0000 http://simplefinancereview.com/?p=906 Carrying tens of thousands of dollars in student loan debt has become the new normal.

Many students who attended college with student loans are realizing that their education isn’t getting them the job they’d hoped for and now they’re stuck with extreme amounts of student loan debts. Many  students didn’t even earn a degree but are left to pay for a tremendous amount of debt with no hope in sight.

This is causing economic hardships for millions of Americans who are unable to pay back their student loans. 

To make matters worst the compounding interest on this debt creates a snowballing effect that makes it next to impossible for millions of Americans to ever get out of this painful debt obligation.

This debt is keeping many Americans from owning a home, starting a family, and even moving out of their parents home.

Starting a family seems like an impossibility right now. I thought I was going to achieve the American dream this is an absolute nightmare.

“When I got the chance to go to college I jumped on it. I took out over $30,000 in Federal loans. I figured that if they were backed by the government there had to be some sort of safe guard for me.

After graduating I just wasn’t able to find a job in the field I studied for and I started getting harassing calls from Sallie Mae about my loans. I’m extremely embarrassed and ashamed.

My family was so proud when I graduated now the reality has sunk in that I’m in so much debt that I can’t start a family, own a home, or even buy a car. I stay up and cry every night because I don’t see anyway to change my situation any time soon.

My parents are getting older and I’m worried about how I’m going to be able to care for them with all of this debt.” Denise Rivera a marketing major told us.

What You Can Do About It

If you or a loved one is currently experiencing financial hardships because of overwhelming student loan payments you’re not alone.

Millions of Americans have fallen victim to predatory unmanageable student loan debts not  unlike what happened with the  financial mortgage meltdown of 2008. According to The Federal Reserve 37 million Americans currently have student loan debt.

The good news is that the American government has recently passed laws that will give millions of Americans currently struggling with student loan debt much needed relief. Call today to see if you qualify for lower monthly payments or student loan forgiveness today.

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Here Is The Average Student Debt Burden In Each State http://simplefinancereview.com/887/here-is-the-average-student-debt-burden-in-each-state/ http://simplefinancereview.com/887/here-is-the-average-student-debt-burden-in-each-state/#comments Sun, 01 Feb 2015 02:43:55 +0000 http://simplefinancereview.com/?p=887 College Debt FreedomThis interactive map, built by Debt.com, a personal finance website, displays data by state on the average student debt load of graduating seniors from colleges in each state (so if an Arizona resident attended college in California, her debt statistics would be included in California’s averages). Darker shades of blue imply larger student loan burdens, while lighter shades imply smaller burdens.

The map was created using data from the Department of Education, College Board, a college membership association, and The Institute for College Access & Success, a nonprofit that works to make college more affordable.

Millions of Americans are currently struggling with student loan debt. If you or a loved one is currently struggling with student loan debt there are programs available. Call 1-888-492-9105 to discover how to lower your paymentstoday. 

 

 

Brought to you by Debt.com

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Student Loan Consolidation May Save America’s Student Debt Crisis http://simplefinancereview.com/785/student-loan-consolidation-may-save-americas-student-debt-crisis/ http://simplefinancereview.com/785/student-loan-consolidation-may-save-americas-student-debt-crisis/#comments Tue, 06 Jan 2015 00:07:03 +0000 http://simplefinancereview.com/?p=785 For many Americans the chance to go to college and get an education is the American Dream. This dream has turned into a nightmare for many students who have turned to student loans to help them pay for college.

I’m in so much debt that I can’t start a family, own a home, or even buy a car.

“When I got the chance to go to college I jumped on it. I took out over $30,000 in Federal loans. I figured that if they were backed by the government there had to be some sort of safe guard for me.

After graduating I just wasn’t able to find a job in the field I studied for and I started getting harassing calls from Sallie Mae about my loans. I’m extremely embarrassed and ashamed.

My family was so proud when I graduated now the reality has sunk in that I’m in so much debt that I can’t start a family, own a home, or even buy a car. I stay up and cry every night because I don’t see anyway to change my situation any time soon.

My parents are getting older and I’m worried about how I’m going to be able to care for them with all of this debt.” Jessica Spencer a psychology major told us.

What You Can Do About It

If you or a loved one is currently experiencing financial hardships because of overwhelming student loan payments you’re not alone. Millions of Americans have fallen victim to student loan debts not unlike the financial mortgage crisis of 2008.

According to The Federal Reserve 37 million Americans currently have student loan debt.

The good news is that the American government has recently passed laws that will give millions of Americans currently struggling with student loan debt relief. Call the phone number below to see if you qualify.

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4 Secret Facts Debt Collectors And Credit Card Companies Don’t Want You To Know About http://simplefinancereview.com/754/4-secret-facts-debt-collectors-and-credit-card-companies-dont-want-you-to-know-about/ http://simplefinancereview.com/754/4-secret-facts-debt-collectors-and-credit-card-companies-dont-want-you-to-know-about/#comments Sat, 03 Jan 2015 04:26:02 +0000 http://simplefinancereview.com/?p=754 Got-Debt-125x125-bannerHarassing collection calls can be a nightmare. Just because you have fallen behind on your debts does not mean that you have to tolerate harassing calls. These calls do not make the situation better; they only make it worse.  For some, the calls are so bothersome that phone numbers have to be changed or disconnected to stop debt collection calls.

The good news is that Federal and state laws are there to protect you from collection fraud, dishonest collection firms, as well as to make sure you, as a consumer, are treated properly. We’re going to show you exactly how you can stay protected and end the harassment by informing you of the laws that work in your favor that the credit card companies, and debt collectors don’t want you to know about.

1. Send Them A Letter Telling Them To STOP!

Ask the caller to provide his/her identity and their agency’s address.Send a letter to the collection agency telling them to stop calling. It is illegal for a collection agency to call you either at home or work once you give them written notice to stop.Just using this little trick alone helped alleviate most of our reader’s harassing phone calls.

2. Tell Collection Agencies To Write Not Call

Tell your debt collectors that you prefer to communicate with them in writing. Send any correspondence, including disputes to both the collection agency and the creditor by certified mail, return receipt requested.

  • Written communication works to your advantage as you will have a record of everything that is said to you.
  • If the debt collector tries to violate the FDCPA, you can show the hard evidence that will lead to a lawsuit in your favor. You can find the laws on the FTC’s website here.

3. Record the phone conversation.

It can also help you to stop collection calls and lets the collector know that you know your rights. Inform the caller at the beginning that you are taping the call as evidence for filing a formal complaint with the State Attorney General and the Federal Trade Commission. If your telephone has a speaker option, use a regular tape recorder to record the conversation.

  • Being in debt can be embarrassing. Most people are not willing to have their family or friends know that they have fallen behind. State and Federal laws also do not allow debt collectors to talk about your debt to other people except your lawyer or with your permission.
  • Debt collectors are also prohibited from contacting you while you are at work.

4. Contact A Debt Resolution Firm

Having a reputable debt resolution firm assist you will not only help minimize the harassing phone calls but will help you get out of debt once and for all. There are many ways that you can resolve your debt, through strategies called

  • debt negotiation
  • debt resolution
  • or debt settlement

A qualified firm will work with your creditors one by one to reduce the amount you pay back, and give you an affordable monthly payment that will let you breathe freely on the path to financial freedom. Here at Consumer Advocacy Report we recommend working with Credit Card Debt Freedom  and their network of qualified and vetted debt resolution professionals.

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Will Medicare Be Enough for You? http://simplefinancereview.com/533/will-medicare-be-enough-for-you/ http://simplefinancereview.com/533/will-medicare-be-enough-for-you/#comments Fri, 21 May 2010 07:13:12 +0000 http://simplefinancereview.com/?p=533 Medicare-Revenue-and-Spending-as-Percentage-of-GDP-150x150When we are of a younger age and in good health we seldom stop and think about the time when we will be senior citizens and ready to retire and enjoy life.  This is very unfortunate and many of our senior citizens are totally unprepared when this time comes and many times without a forewarning. As we grow older we seem to think that once we arrive at the golden years, Medicare will be there for us. Unfortunately, times are rapidly changing and Medicare is not as strong as it once was. As we all know, Medicare will cover only 80 percent of our medical costs, not including prescriptions. The remaining 20 percent is paid by the patient and at times the cost to you is quite high.

There are now many different supplement plans that one can purchase which will help take care of your medical expenses and prescription drugs. Looking into the many different medicare supplement plans can be extremely confusing for many of us.  All of the 50 states have medical supplement insurance companies.  As you look into the plans located within your state, it can become mind boggling.  There is a light at the end of this dark tunnel however and it is called the Longevity Alliance. This group works with companies throughout the 50 states but does not officially represent any particular one. Because of this fact, it can help you find the plan that is right for you and your spouse.

When you begin receiving offers from the many different medicare supplements plans it can truly be an extremely trying experience. Longevity Alliance will help you to understand just what each company has to offer and in a way that is easy to comprehend.  You can see just what they can do for you by checking their web site. There is no need to stress yourself by looking through all the different plans out there today.  You then simply fill out a short secure form to get yourself started to a more relaxing time of retirement.  You can do this without having to leave your home. Get that cup of coffee and look into what Longevity Alliance can do to make your future more pleasant.

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