Sunday, November 17, 2024

Listener Questions – Episode 2

Questions Asked

  • I've just graduated and I'm about to start my first big job! I managed to find your podcast at just the right time, as I'm trying to work out anything about money and how to start on the right foot. This season came out at just the right time, as I was a bit lost until I found you.

    My question is that I am about to start earning a lot more than I thought I was as a graduate. I have always been told to ignore my student loans by my parents as it's essentially a tax, but looking at some calculators I would pay it all off in 25 years before it gets cleared and pay more than double the £45,600 in interest. I'm thinking of trying to overpay it off more quickly than that as it seems very big to have especially with 7.3% interest rate. I'm not sure if I should prioritize this, as I could start now, but as I'm starting work I'm still very uncertain of what to save and how I should treat this debt. Or should I not worry about it this early on?

    Thank you so much!
    Sophie

  • Thank you so much for a truly excellent podcast. I recommend it to everyone!! 5 stars!

    My partner recently traced a pension from an old employer. When he contacted the company they told him the pension was all paid out to him when he left the company, 9 years ago. He was 28 at the time.

    Is that possible? I believed it wasn’t possible to access pensions until 10 years before state pension age. The exceptions I’m aware of (certain types of job/illness) aren’t relevant here. I can’t believe this pension would have had particularly special properties. It was while he was working for Experian.

    He doesn’t remember receiving a lump sum, and is checking with his bank (it’s too far back to see online). Did the person he spoke to just make a mistake? He is reluctant to go back to them without anything concrete, and it is hard to trust what they say.

    Any advice on what to do next?

    Thank you,
    Ellie

  • I am a huge fan of the show and have benefitted enormously from your guidance – thank you. Pete for an OBE!

    May I put this question forward please for the podcast:

    I am a higher rate tax payer and contribute to a SIPP on top of my employer pension (very generous DB scheme) to keep my earnings underneath £100k so that I can benefit from free childcare hours and about the 60% tax trap bracket between £100-£125k. However, I am now breaching the annual £60k pension allowance and so end up paying significant tax on the additional pension contributions in my self assessment. I am so aware that this is a privileged position to be in and want to contribute my fair share of tax but I wondered what other channels I should be exploring to be as tax efficient as possible please (I have never dabbled in VCTs!)

    Thank you hugely

    Joanne

  • How do I weigh up the relative value of AVC on my DB pension rather than investing in a LISA or S&S ISA where I retain my capital?

    Thanks

    James

  • I have fallen into the 60% tax trap on a number of occasions, to mitigate this I have tried to top up my pension to get my earnings below 100k to reduce my tax bill. Being the main earner and with 2 very expensive teenagers I don’t have enough spare cash to do this easily so have taken the money out of a S+S ISA in the past.

    I know this shifts the balance of my assets massively into pensions but it seems worth it to reduce tax. My question being is this a reasonable plan? Is it a good idea to do this or am I better keeping retirement options more flexible with a larger ISA pot?

    Kind regards and thanks for all the information, it makes a massive difference

    Giles

Send Us Your Listener Question

We’re going to spin out the listener questions into a separate Q&A show which we’ll drop into the feed every 2-3 weeks or so. These will be in addition to the main feed, most likely, but they’re easier for us to produce because they require less writing! Send your questions to hello@meaningfulmoney.tv Subject line: Podcast Question


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The post Listener Questions – Episode 2 appeared first on Meaningful Money – Making sense of Money with Pete Matthew | Financial FAQ.



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Thursday, November 14, 2024

How does internet marketing work?

Online media currently represent the means of communication with the greatest potential for reaching the public and therefore you should know how internet marketing works? if you have a business that you want to grow quickly through this medium.

What is the digital marketing?

They are the set of techniques and strategies that you apply in order to improve the marketing of your products and services; using digital media.

That is, advertising them through the Internet, so that they reach a greater number of consumers in the shortest possible time.

In other words, through digital marketing the promotion of your brand is carried out; using strategies within a website or online site; where in turn it is possible to analyze their results in real time.

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For example, one of the means used to carry out digital marketing on the Internet are social channels; taking advantage of the existence of popular networks such as Facebook, Instagram, Tik Tok, LinkedIn and many others.

In each of these digital channels, you have a wide variety of potential customers, formats, particularities, languages ​​and audiences that represent interesting alternatives to create good marketing strategies with which to increase the presence of your brand on the Internet.

How internet marketing works

The consumption habits of the population change over time and along with this the life cycle of the market is altered; Therefore, companies must remain attentive to these changes and offer new alternatives to the general public to stay competitive.

When talking about the operation of marketing on the Internet, reference is made to the strategies of selling products and services in a way that satisfies the needs of customers and at the same time generates enough profits to remain operational.

The way of acquiring everything we need has changed; Now, in the first place, your search is carried out on the Internet; In this case, the first places shown during each query in the browser are privileged.

Although internet marketing is used to promote companies, products and services; The way in which their strategies are implemented is what will ultimately determine the preference of users over one brand or another.

In a nutshell; Social Media Managers are in charge of creating a Marketing plan to give visibility to a brand on the Internet; this in the case of large companies; while in the small ones it is done by the community manager.

The created strategy is taken to a website or online platform, within which it can be directed to the general public or a certain group of users.

The purpose is always to attract their attention to the brand that is being promoted; with the aim of encouraging your purchase or preference over it instead of any other.

There are different types of internet marketing, such as the following:

  • Content marketing, in which information is generated that helps to position a brand, keeping its customers captivated.
  • Inbound marketing, with the aim that customers find your brand and become interested in it in exchange for something that is interesting to them, such as blogs, YouTube videos, SEO strategies, Podcasts and the like.
  • Relationship marketing, when considering the needs and desires of customers to personalize the product offered to them.
  • Conversational marketing, using current customers so that you speak positively about your brand to other users who may be interested in it.
  • Permission marketing, is the employee with the client’s authorization, so that your company can send you advertising and information about promotions, offers and new products or services.

In general lines, the operation of internet marketing is aimed at publicizing what is offered, whether they are products or services; expand the presence and prestige of a brand; with the final objective of capturing the attention of potential customers and making a greater number of sales in the shortest possible time.

The post How does internet marketing work? appeared first on Internet Business Mastery.



* This article was originally published here

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