Thousands of courses for $10 728x90

الجمعة، 19 أكتوبر 2018

You Don’t Have To Be Scared of Halloween Costs With These Free Kids’ Events


Halloween doesn’t have to be a one-day celebration.

Let’s make the most of those kids’ costumes, shall we?

Several retail chains across the nation are hosting children’s events for the spookiest holiday of the year. They’re free entertainment for the little ones, which makes it a win-win for parents and kiddos alike.

1. Disney Store

Saturdays in October just got a lot more magical. The Disney Store will host its Haunted Halloween Party for kids 3 to 12. Partygoers will go home with free light-up Mickey Mouse pumpkin wristbands.

When: Oct. 20 and 27 at 1 p.m., 2 p.m. and 3 p.m.

Be sure to: Register in advance. Party attendance is limited to the first 20 children who RVSP for each time slot. Contact your local store to reserve your spot. Outlet locations won’t be hosting the Halloween events.

2. Bass Pro Shops

This outdoor recreation retailer will host eight days of free Halloween fun starting Oct. 20. Kids can create crafts, play games, walk in costume parades, take photos with the Peanuts gang and go trick-or-treating.

When: Oct. 20 and 21 from noon to 5 p.m., Oct. 26 from 5 to 7 p.m., Oct. 27 and 28 from noon to 5 p.m., Oct. 29 and 30 from 5 to 7 p.m. and Oct. 31 from 4 to 8 p.m.

Be sure to: Read this post for details on the schedule of events.

3. Michaels

The arts and craft chain will host several Halloween-themed classes this month, but the real treats are the free events. Children have the chance to create gooey slime creations on Oct. 21 and 27. Also on Oct. 27, little crafters can make three holiday-themed art projects — plus get their faces painted.

When: Ultimate Slime Party Oct. 21 from 2 to 4 p.m., Monster Bash Oct. 27 from 10 a.m. to noon and Monster Slime Party Oct. 27 from 1 to 3 p.m.

Be sure to: Register in advance online or by contacting your local Michaels.

4. Target

Target — a favorite retailer of moms everywhere — will host a  “PAW Patrol”-themed Halloween event for kids to party with their favorite pups from Adventure Bay. Enjoy the festivities and stay for a screening of a special episode of the PAW Patrol TV show.

When: Oct. 27 from 10 a.m. to 1 p.m.

Be sure to: Bring your kid in costume for trick-or-treating. There will be other giveaways as long as supplies last.

5. Simon Malls and Premium Outlets

Trick-or-treating at a mall is like the G-rated, child-centric version of barhopping for adults — except with there is candy instead of beer and everything is free.

Simon Property Group owns over 200 malls and outlet shopping centers in 37 states and Puerto Rico. Several locations will host Halloween activities for kids this year.

Tyrone Square Mall, my local mall in St. Petersburg, Florida, will host crafts and treat-or-treating on Oct. 31 from 5 to 8 p.m. Some locations will celebrate prior to Halloween. For example, Norfolk Premium Outlets in Norfolk, Virginia, will host trick-or-treating on Oct. 27 from 4 to 7 p.m.

When: Dates and times vary by location.

Be sure to: Contact your nearest Simon property for details.

Bonus: PetSmart

Parents of four-legged fur babies can visit PetSmart Oct. 20 and 21 for the store’s “Who’s Your Boo?” costume parade and Halloween event.

The stores will give out free pet treats and coupons to help you save money during your visit. The first seven guests who arrive at the each location’s event will get a free pet collar safety light.

When: Oct 20 and 21 from noon to 3 p.m.

Be sure to: Dress up your pet for the chance to win a prize.

Nicole Dow is a senior writer at The Penny Hoarder. She loves discovering free kids’ events. Her daughter has gone trick-or-treating at Bass Pro Shops and Tyrone Square Mall.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2yPjY8c

Student Loan Forgiveness Just Got Easier if Your School Was Seriously Shady


If you have taken out a federal direct loan and suspect you attended — or are still going to — a school that’s made less-than-true claims, now is the time to think about applying for loan forgiveness.

A rule created under the Obama administration allows federal student loan borrowers to apply to have their loans discharged if they attended a for-profit college that made false claims about student success, job placement or other factors that might entice a student to enroll.

A lawsuit filed by the California Association of Private Postsecondary Schools tried to stop the rule, but a judge declared this week that it must be upheld.

Education Secretary Betsy DeVos proposed a revised rule in July 2017 that would make it harder for borrowers to make the case for fraud to have their debt forgiven.

The government has seen a dramatic increase in applications for loan forgiveness via “borrower defense to repayment” rules, which protect students from institutions’ misleading claims.

How Does the Borrower Defense Rule Affect You?

While DeVos plans to rewrite the rule, the Obama-era rule is here to stay until at least the summer of 2020.

“This is a phenomenal opportunity for people who have a valid claim that a school misled them to apply for borrower defense,” said Nancy Cavey, a St. Petersburg, Florida, student loan attorney.

Claims made under this rule must provide evidence that the school misrepresented the borrower’s job placement prospects or didn’t live up to obligations such as providing tutoring services. An existing judgment against the school, as in the cases against Corinthian Colleges and DeVry University, can strengthen a borrower’s request for forgiveness.

The application form requests documentation of the alleged fraud that might include brochures from your school, emails with school staffers or the institution’s course catalog.

However, if you’re unsure your claim will be accepted, you can still adjust your payment plan now to make life a little easier.

“You should still get into an income-driven [repayment] plan,” said Christie Arkovich, a student loan attorney in Tampa, Florida. According to Arkovich, they are a better guarantee of loan forgiveness after their prescribed time period.

But Cavey goes one step further: She advises borrowers to request their loans be placed in forbearance with “stop collection” status during the review period. Interest will still accrue, but you won’t risk going into default if you’re anxious about affording your loan payments while you wait for a decision.

Arkovich stressed the importance of getting into the virtual queue now. “It will put you in the line if they establish any kind of relief fund,” she said, calling to mind Congress’s authorization of a $350 million fund for Public Service Loan Forgiveness applicants who were in the wrong payment plan. “That’s first-come, first-served.”

Why We’re Suddenly Talking About the Borrower Defense Rule

The Obama-era rule rule is based on regulation from 1995, but wasn’t developed until 2015, after the collapse and closure of Corinthian Colleges. Federal loans have been discharged automatically in certain cases, like those against DeVry University in 2017. But claims against existing and closed for-profit institutions have risen as borrowers have become more aware of complaints against schools with lofty promises of employment or income potential.

A December 2017 report from the U.S. Department of Education showed a more than 170% increase in applications for this type of student loan forgiveness since July 2016.

Meanwhile, the Federal Student Aid’s Borrower Defense Unit, which processes these applications, has gotten smaller, with only seven full-time staffers as of September 2017. DeVos has said it’s too easy to get federal student loan forgiveness through this rule.

But for now, she’ll have to comply.

Lisa Rowan is a senior writer at The Penny Hoarder.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2CsFJ0R

8 Insider Tips for Finding Cheap Holiday Flights (Hint: Book Soon!)


Ahhh, the holiday season. Backyard football games, elaborate dinners, family bonding, warm cookies… and insanely expensive flights.

Many people are excited to go home for the holidays, but no one’s excited to pay the price. Airlines know, however, that most people will pay whatever it costs — so they raise their fares exponentially. Though it doesn’t seem fair, it’s good business for them.

If you’re struggling to afford your tickets home, here are a few tricks of the trade that can help you get cheaper flights this holiday season:

1. Don’t wait

You probably already know this, but it bears repeating: buying your flights early can save you lots of money According to CheapAir.com's annual airfare study, if you book between seven and 13 days ahead of time, you could end up paying $83 more and up to $208 more if you wait until the very last minute (as in six or less days in advance).

So if you plan on traveling for the holidays, now is the time to book those flights! According to Skyscanner, October is the best time to book both domestic and international holiday travel. If you plan on traveling for Thanksgiving, booking in September would have been your best bet, so you better book those flights now. And If you’re traveling for Christmas, be sure to book your flights before November 19.

2. Shop around for the best deal

For researching your flight options, I recommend using ITA Flight Matrix. It offers the most flexibility in terms of dates and airports, and will also show you a low fare calendar. You can’t purchase tickets on the site, but you can take the flight numbers and book directly with the airline — (which is usually the better method anyway).

3. Shop for tickets in a private browser

For several years, there have been rumors that airlines use cookies to see when you’ve searched for a certain flight before. If you have, they assume you’re serious about purchasing the ticket — and they jack up the prices. This has never been officially confirmed, though, and some say it’s a myth.

Whether it’s true, it doesn’t hurt to shop for tickets in a private browser (like Chrome Incognito) so no cookies are stored. You can also search for tickets normally, then clear your cookies before purchasing, or just use a friend’s computer when it’s time to buy.

4. Check fares at nearby airports

Just because an airport is the biggest doesn’t mean it’s the cheapest. Check alternate departure and arrival airports to try and score a deal. You can even fly into one airport and out of another.

Flying to Atlanta to see family, but only finding super-expensive fares? Try Chattanooga, Tennessee; it’s only 123 miles away. If you need ideas, check out this handy list of alternate airports from Johnny Jet.

5. Avoid flying on Sundays at all costs

If you want to save money, don’t fly on a Sunday. This rule applies all year long — but especially around the holidays.

If you’re supposed to work on Monday, ask your employer if you can work remotely or take a day of unpaid leave or vacation. You may miss out on some income, but the money you’ll save on your ticket should more than make up for it — not to mention, you’ll have one extra day with your loved ones.

6. Purchase your tickets on Sunday

While Sunday may be the worst day to fly, it may also be the best day to buy.

According to Skyscanner, you’ll find the most savings for both domestic and international flights if you purchase tickets on a Sunday and avoid booking on Thursdays and Fridays. Skyscanner also suggest booking your flight around 5 a.m. for the most savings and avoid booking between 7 p.m. and 10 p.m.

7. Fly on the holiday itself

Nobody wants to fly on Thanksgiving, Christmas or New Year’s Day — which is why you can sometimes score great deals by doing so.

And flying on the holiday doesn’t have to mean missing all the festivities. One option would be to leave super early in the morning, arriving just in time for turkey. Another would be to coordinate with your family to celebrate the day after. If everyone agrees to do so, then you all can enjoy savings and less-crowded airports without missing a thing. Here’s a calendar from CheapAir showing the best and worst days to fly around the holidays.

8. Don’t forget about baggage fees

Airlines started increasing baggage fees this year, so be sure to keep these fees in mind when booking your holiday flights. JetBlue increased baggage fees at the end of August, and United matched the increase a week later.

If you can, try booking through Southwest; you can check two bags for free. Or try traveling light and use these tips to fit everything into one bag.

If you follow all of these tips, you’ve got a shot at finding a reasonable, if not cheap, holiday fare… Now just keep your fingers crossed for good weather!

Susan Shain, a contributor to The Penny Hoarder, is always seeking adventure on a budget. Visit her blog at susanshain.com, or say hi on Twitter @susan_shain.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2S0sKc8

Sitel Group Is Hiring 3,500 Customer Service Reps Starting Oct. 23


Thousands of seasonal and full-time jobs at Sitel are up for grabs, and there are many ways to land one.

The global customer service management company plans to fill 3,500 positions across North America during its “National Hiring Day” on Oct. 23 (though the event name implies it is only one day, recruitment will continue through the end of the year).

On-site and work-from-home jobs are available. All you need are a high school diploma (or equivalent) and basic computer literacy skills to qualify.

Sitel is using some creative methods to fill these openings. Applicants can land a job in several ways:

The online career fair runs from 11 a.m. to 8 p.m. EST. To attend, sign into Sitel’s virtual career portal and create a username. Be sure to update your browser and Adobe flash player to the latest versions.

Proper preparation for on-site hiring events is key as well. It’s best to come interview-ready to both the virtual and on-site events.

If you live farther than 50 miles from a Sitel location, the company has work-from-home customer service jobs available anywhere in the U.S. These positions are already accepting applications.

Seasonal positions have potential to grow into long-term careers, a Sitel press release says.

Full-time employees can expect a benefits package with:

  • Medical, dental and vision insurance
  • 401(k) retirement program with company matching
  • Paid time off
  • “Lucrative bonus and incentive opportunities”

Sitel’s announcement is the latest in a slew of big employers hiring en masse. In light of record-high job openings and record-low unemployment numbers, employers across the U.S. are faced with a labor shortage.

This is good news for job seekers as labor shortages can result in wage increases and better benefits for employees while employers battle it out to recruit and retain workers.

Adam Hardy is an editorial assistant on the Jobs Team at The Penny Hoarder. He lives off a diet of stale puns and iced coffee. Read his full bio here , or say hi on Twitter @hardyjournalism.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2AkcFaq

Friendships and the Financial Turnaround

Back when I was at the peak of my foolish spending days, I had a set of three good friends that I will call Manny, Moe, and Jack. The four of us got into a routine of going golfing after work at least once a week and golfing together each weekend. We were also part of an informal “young professionals” group in town, where a bunch of people in similar professions under the age of 35 or so would meet for drinks after work most nights, where people would meet up, talk about their careers, and show off their latest possessions (for example, smartphones were a new thing then and people were constantly one-upping each other with the latest gear because device innovation seemed to be happening on a weekly basis, but people also showed off the clothes and jewelry they wore, their watches, their cars, and so on).

In other words, running with Manny, Moe, and Jack was an expensive proposition. I had to have a good set of golf clubs – cheap clubs were basically ridiculed. I was spending money on greens fees twice a week, splitting the cost of a golf cart, and dropping some money at the clubhouse afterwards. On weekdays, I was buying a drink or two after work, splitting the cost of appetizers, and I was regularly buying things that would impress that group.

That’s an extremely expensive lifestyle, and it was one that really showed up on my credit card bills.

At the time, I felt that I had a really strong circle of friends, particularly Manny, Moe, and Jack, but also several of the people in the larger group that met up for drinks. These were my people – young, career-oriented folks with at least some interests that overlapped with mine.

But then a few funny things happened.

The first thing that happened was that Sarah and I had a child. This obviously had a big impact on our life. When the child was born, Manny, Moe, and Jack – as well as a few others – checked in on me fairly frequently and were amused by the idea of me having a child. There was a lot of talk of “when can you go golfing?” and “when are you going to be back for drinks?” which I interpreted those as people missing me.

Obviously, though, I couldn’t quite return to the frequency of golfing and after-work meet ups that I once had. I had a baby to take care of. I had to pick him up from daycare most days and I also couldn’t just ditch Sarah every weekend to spend Saturday afternoon golfing. I could do that occasionally, but not every week.

So I cut way back on my golfing and somewhat back on my after work meet ups. I went golfing after work about once every other week and maybe once a month on weekends, and I went from going to that meet up every night down to maybe once or twice a week.

When I did go, though, I tried to make a big splash. I’d usually buy a round of drinks for everyone and spring for some appetizers to share. I stayed in touch with Manny, Moe, Jack and others via texting and social media and things seemed okay, though I felt not quite as “tight” with everyone as I once did. They still sent me texts and usually responded when I sent them, but I felt a little out of the loop, which I was okay with because I understood the constraints of having a kid.

Several months later, we hit our financial bottom and I started to really re-evaluate our spending.

Two big things that were gobbling up a lot of money were my golfing excursions and my after work drinks with the gang, so I came to the conclusion that I needed to seriously trim back on those things. I decided, for the time being, that I’d go golfing once a month with the guys and go to the after work thing once every other week.

That seemed to cross some sort of threshold.

Manny, Moe, and Jack decided to add a different person to their golfing foursome and then were suddenly not available for a Saturday golfing outing. I’d text them and they’d say that they already had plans, which I learned from others was golf with some other guy. I was out.

I went to a big handful of additional after work meet ups, but I felt like more and more and more of an outsider. There were new people in the group, lots of inside jokes that I didn’t understand that were developing, and I wasn’t keeping up in the “arms race” of new things. The last time I went, about three months after our financial bottom, I basically only talked to one person who was mostly just being polite.

People stopped texting me. Manny stopped by my apartment a few times afterward just to say hello and see my kid, and then stopped by my house once after we moved into our house. Moe and Jack never did.

It wasn’t through lack of effort on my part. I texted people to see how they were doing and got no response. I’d suggest doing something that didn’t cost money and always got an “I’m busy” response until I got the hint and stopped texting them.

I basically haven’t spoken to anyone in that circle for many years aside from a few spontaneous instances of running into them on the street and, strangely, a fleeting friendship between my second child and the first child of another person in that group, a friendship that dimmed after they started going to different schools.

At the time, this really hurt. I felt like my financial changes had cost me a lot of friends and I felt like a social outcast.

Here’s the secret, though: I have a larger social circle now than I did back then.

What exactly happened? It was a mix of three things.

First, I had a few friends in the area outside of this group, and most of them were actually very welcoming of my financial changes. I simply started spending more time with them. I started having a regular board game night with three friends where we’d meet at one of our houses and have a potluck dinner – a board game night that’s still a regular thing and has now grown to about 12 attendees. Sarah and I were already members of a few civic groups and we’ve built a few friendships via those groups and become more involved in them.

Second, I started actively attending and getting more involved in existing community groups that didn’t come with a price tag. I found groups via Meetup and via our local community calendars, city websites, newspapers, and other civic groups I was already involved with. I tried a lot of such groups, as did Sarah, and we settled into several that really clicked with us. Through them, we’ve built a lot of friendships that aren’t centered around spending money.

Third, I’ve been working on being more friendly and actively working to build and maintain friendships and acquaintances. This was something I chose to do to improve myself. In the past, I was pretty lackadaisical about building and maintaining friendships. I’d contact people only when I wanted to do something with them or needed something from them. Now, I make an effort to just touch base with them. I try to text or message many people I know at least once a month with a personal “how are you doing?” message or a direct question about some aspect of their life as a follow-up. Believe it or not, if you do that consistently with people, they view you pretty high on their personal list of friends and they’re often very open to more social interaction, often even suggesting it themselves.

At this point, I’ve cultivated a great group of close friends for which there’s almost no expectation of spending at all. We don’t have to go “out on the town” to have fun together – and rarely do so. I have so many social opportunities and group meetings, even with that constraint, that I literally can’t keep up with them all and I’ve had to devise polite ways of saying “no” without devaluing the relationship (usually, explaining why you had to say “no,” suggesting a specific alternative time for doing something, and continuing to follow up does the trick).

The harsh truth is this: friendships that revolve around spending money in some fashion will probably dry up once you turn off the money spigot. That’s okay, though. Those friendships weren’t “true” ones, anyway – they were extensions of a habit of spending money.

Focus instead on cultivating relationships and friendships that thrive regardless of spending. Look through your life for relationships like that that already exist and cultivate them. Seek out more friendships like that in the community by getting involved in groups that don’t require spending money as an admittance fee (i.e., not at bars or clubs). Intentionally cultivate those relationships over time and don’t let them wither.

You’ll eventually find that your social network is stronger than ever, even without spending money.

Good luck!

The post Friendships and the Financial Turnaround appeared first on The Simple Dollar.



Source The Simple Dollar https://ift.tt/2NQDPcm

How to Drive Sales with These 11 Instagram Marketing Strategies

In today’s competitive landscape, your business needs to leverage as many distribution channels as possible to increase sales.

By now, I’m sure you understand the basic concepts of applying a social media marketing strategy.

You’ve created business profiles on the most popular networks. You’re sharing content on a regular basis. Your efforts have helped you get more followers.

But you’ve got to elevate your game and learn how to convert your social media followers into customers.

According to research, 74% of consumers use social media to guide their buying decisions. And 71% of people are more likely to buy something based on a social media recommendation.

Simply put, consumers are eager and willing to use social platforms to find new brands, conduct research, and aid the purchase process.

As a marketer, you need to recognize the latest social media trends and use them to your advantage.

Instagram is the fastest growing social media platform. This social network makes it very easy, friendly, and appealing for brands to reach their target audiences.

Take advantage of everything Instagram has to offer. I’ll show you the top 11 ways to drive sales on Instagram.

1. Run contests and giveaways

Promotional contests and giveaways are two of my favorite strategies for brands to engage with their audiences on social media.

If you can learn how to run a profitable giveaway, your efforts will result in more sales.

I know what some of you are thinking. How can you make money by just giving away your products?

Let’s review an example to show you what I mean. Here’s a look at how Lander used this strategy on a recent Instagram post:

lander

The company is giving away a smart lantern, power bank, phone case, and lightning cable.

Doing this increases the exposure of its page. It gives people a reason to follow its profile and engage with the brand.

As you can see, this giveaway is a bit different from the ones you may have seen in the past. Lander partnered with other brands to sponsor this giveaway.

Again, this strategy will drive more users to its page. These other accounts will post information about the giveaway and direct users to follow Lander’s profile to win.

Here’s a look at the caption from one of the other accounts it partnered with:

caption

There are plenty of other ways to get creative with this marketing tactic.

Instead of giving away items at random to your followers simply for liking a post and following your account, you could run a more structured contest that requires skill.

Contests that encourage user-generated content are the most effective.

To enter, ask your followers to upload a picture and tag your brand. This strategy will expose your company to anyone who follows the users who enter.

If someone sees that their friend is promoting a brand, they’ll be more inclined to follow your profile and potentially enter the contest as well.

Now that you’ve got these users interested in your products, you can use other strategies to get them to buy. Even if they didn’t win the contest, the product you were giving away is still on their minds.

2. Take advantage of the “swipe up” feature

The swipe up feature is a game-changer for businesses.

For years, you probably had some trouble getting users on Instagram to navigate to your website from a specific link. You would post content and then direct people to click a link in your bio.

But that strategy has lots of faults.

First, it’s an extra step for the user. They have to navigate to your profile page and then make another click.

People don’t want to go through that hassle.

Plus, what if you want to promote two different landing pages? Or maybe three? or four?

You will not have multiple links in your bio. That’s too confusing.

The swipe up feature eliminates this problem. Now you can use your Instagram story to drive traffic directly to specific landing pages.

Here are a couple of examples:

swipe up

Once your business profile reaches 10k followers, you’ll have access to this feature.

Just promote a product or service on your story, and add the swipe up function with a link to a landing page about your promotion.

If you’re advertising a specific product, a logical landing page would be to the product description on your site. There, the user can look at additional photos and add the product to their shopping cart.

These lead magnets are a great way for you to drive more traffic to your website and ultimately increase conversions.

3. Use shoppable posts

If you have an ecommerce brand, you need to take advantage of shoppable posts.

This strategy allows you to sell products directly through the Instagram platform.

The reason why I love this feature so much is because it increases the chances of getting your current and prospective customers to buy something. Here’s why.

Right now, you’re relying on consumers navigating to your website to buy your products.

This can be from organic traffic, paid ads, or direct navigation.

The problem is that people probably won’t do this every day. But they’re active on Instagram daily.

In fact, 500 million people use Instagram on a daily basis. So there’s a great chance your target market falls into this category.

Here’s an example of a shoppable post from Patara Shoes:

patara shoes

It’s simple. This post is just a regular image that includes one of the brand’s products.

You also see a tag of the product by name, the price, and a link to purchase it. All someone has to do is click on the tag, and they’ll be directed to the website.

This is much easier than having to manually search for the product by opening a web browser. Shoppable posts increase conversions.

Check out the caption. It’s creating FOMO—the fear of missing out. I’ve discussed this strategy in the past.

Telling users they have only a few pairs of these shoes left nudges them to buy right now.

If you’ve never sold products on Instagram before and don’t know where to start, check out my complete guide on how to increase your ecommerce product sales with shoppable posts on Instagram.

4. Post the same product more than once

If you post a product once and then never promote it again, people may forget about it.

Think about the way users behave on Instagram. They quickly scroll through their feeds.

The first time they see your product, they may not have a reason to buy it. But if they see it more than once, it may start to pique their interest.

According to a study from Sprout Social, more than 60% of people need to see something on social media between two and four times before they buy it:

number of times

I’m not saying you should post the exact same image four different times on your Instagram page. That’s boring and might even cause people to unfollow you.

Get creative.

Start with a post of just the product. A few days later, you can share another image of the product on your Instagram story.

The following week, run a contest to promote the same product. Weeks later, you can share a video of the same item being used in a demonstration.

Posting the same product multiple times increases the chances of people buying it.

5. Partner with social influencers

Using social influencers to promote your brand, products, and services is an extremely efficient tactic.

In fact, 94% of marketers say their social influencer strategy was effective for their companies.

That’s because social influencer followers trust them.

We know that 82% of people are likely to follow recommendations made by micro influencers. And 94% of consumers believe these influencers are highly knowledgeable.

Basically, if you can get an influencer to promote your brand, you will get sales.

Instagram is the primary social platform for influencers across the globe.

influencers

This is a cost-effective marketing strategy.

Most influencers will charge only a few hundred dollars or so for a post. However, if you’d rather work with celebrity influencers, be prepared to spend significantly more.

But for the most part, that’s not necessary.

I recommend looking for influencers who have between 10k and 50k followers. These people have more authentic interactions with their followers and higher engagement rates.

Plus, the cost per post will be less.

If you’re struggling to find the right influencer to promote your brand, review the top 10 platforms for effectively managing social influencers.

6. Respond to comments and messages

I know it may seem like a time-consuming and tedious task, but you need to respond to your followers on Instagram.

By responding directly to comments on your post, you will add a human element and personal feel to your brand, which people really appreciate.

This strategy is especially important if people are asking questions or voicing complaints about your business. Respond to these comments as fast as possible to come up with a resolution.

It shows other users who see your responses on social media that your brand values customer service.

Consumers are willing to pay more for good service. You can expect to see an increase in sales by communicating with your customers effectively on social media.

7. Go live

The majority of the strategies I’ve discussed so far focus on Instagram posts. But that’s not the only way you can reach users and drive sales.

Like other social networks, Instagram has a live broadcast feature.

This is your chance to engage with your audience in real time.

Users can comment on your broadcast. Acknowledge those comments. Answer their questions. Show them you’re listening.

Social media users love watching live videos.

live video

What’s a good reason to go live?

That decision is yours. But there are lots of different ways to get creative with these streams.

Give your followers a tour around your office. Introduce them to your employees. Show them how products get made at your manufacturing facility.

If your company is at an event, give your followers exclusive access to what happens behind the scenes.

This type of content will keep your audience engaged, get them excited about your brand, and ultimately increase the chances they’ll make a purchase.

8. Run targeted ads

How can you reach people on Instagram who don’t follow your account?

Some of the strategies, such as location tagging, running contests, and working with social influencers can accomplish this.

However, those strategies don’t always expose your brand to people within your target market. Running targeted advertisements will do this.

Instagram has been acquired by Facebook. You can set up your ads the same way on both networks.

You can use parameters such as age, gender, and location to select your ad audience. You can even take that one step further and target users based on their interests.

Here’s an example of a targeted Instagram ad from Tentree:

tentree

As you can see, this post looks like any other post on Instagram. The only difference is that it says “sponsored” where the location tag would normally be, and there is a CTA button at the bottom.

But when a user is scrolling through their feed, this post blends in with the rest of the content they’re consuming. It’s not invasive or annoying.

Yes, you’ll have to pay if you want to run Instagram ads. Those of you who don’t have the funds in your marketing budget for this right now would want to stick with the free strategies on this list.

However, if you can afford it, I recommend at least trying it out to see how it works for you. This can be a great way to drive sales by reaching a new audience.

9. Use your story to showcase products

Earlier I mentioned examples of posting content to your Instagram story.

But now you can use your Instagram story to sell your products the same way you did with shoppable posts.

As of June 12, 2018, Instagram brought the shopping feature to stories.

Here’s a look at an example from Madewell:

madewell1

As you can see, the post is promoting a silk button-down cami.

Since the shopping feature on stories is new, the post features additional text as a way to tell the users the post is clickable.

If you tap on the button as instructed, you’ll be redirected to the brand’s website. From here, you’ll have an option to buy the product displayed in the story:

madewell2

Use this strategy if you’re running an ecommerce shop.

As I said before, people need to see a product multiple times on social media before they decide to buy it. Add shoppable stories to the list of ways to showcase your products.

10. Connect your followers to your Facebook page

If your company has an Instagram profile, it probably also has a Facebook page.

Since Instagram was acquired by Facebook, these two platforms have lots of features that work together. I mentioned this earlier when I talked about running targeted ads.

Now you can sync your Instagram followers with your Facebook business page.

Once this process is complete, you can use messenger bots to nurture those users.

There are more than 300,000 active monthly bots on Facebook messenger. Clearly, other businesses are taking advantage of this strategy already.

Jump on board now before your competitors’ bots steal your customers.

11. Offer discounts to your followers

Everyone loves a good deal.

Share discounts with your followers on Instagram to encourage them to buy.

Instagram is a great platform for running flash sales. Since your story disappears after 24 hours, you can use that type of post to share a promo code.

This will make your followers feel as if they’re getting an offer other people don’t know about. That feeling of exclusivity will also encourage them to buy.

Look at how J. Crew offered a discount in this post:

jcrew

Notice anything different about this post?

The reason why I used this as an example is because it also uses another strategy I discussed on this list. This is a targeted advertisement.

Don’t think your promo codes should be limited to just your profile posts and stories.

Combining that deal with a targeted ad can be extremely effective. That’s because your ads will have CTA buttons bringing users directly to your website.

If someone clicks on the “shop now” button in the J. Crew ad, they’ll be able to use the promo code right away. This is much easier than having to navigate to a new window.

Conclusion

You can’t rely on website traffic alone to sell products. Take advantage of other distribution channels as well.

Social media influences consumers’ purchasing decisions.

Since Instagram is growing at such a rapid rate, it makes sense to use this platform as a primary method of driving sales.

Plus, as you’ve seen from this list, Instagram has features that allow businesses to sell items directly through its platform.

If your Instagram marketing strategy needs improvement, refer to this guide.

Once you implement these strategies, it will be easier to generate sales from Instagram users.

How is your business using Instagram to drive sales?



Source Quick Sprout https://ift.tt/2Cr6cMp

I Hate Roommates, but They Could Really Help With My Mortgage


Dear New Homeowner,

First, congratulations on buying a home! I notice you said that it’s a small house, but perfect for you. You didn’t say it’s perfect for an eventual bunch of toddlers, or perfect for you and six rescue Labradors, or perfect for the parade of houseguests throughout the year for all the entertaining HGTV insists you’re going to do.

You say it’s perfect for you. You also mention that previous living situations with roommates have not exactly been peachy.

So why consider one now? You bought this house for you — without an explicit plan to take on a roommate or three so you could afford it more comfortably. It sounds like you’re feeling just a hint of buyer’s remorse. I’m not saying you regret the choice, but you might be feeling a nagging sense of “Should I have thought of a better backup plan?”

If you don’t love the idea of having roommates, you need to make sure you are your own backup plan. Shore up your savings account so you can comfortably pay that mortgage bill if you find yourself out of work for any length of time. Then put more money into your retirement savings so you have peace of mind down the road, long after the house has been paid off.

If you plan to stay in your house for many years to come (say, the length of your mortgage), don’t feel pressured to rush through the mortgage payment process. You’re allowed to go at a normal pace while making sure your finances are well-rounded for your long-term comfort.

 

Have a tricky money question? Write to Dear Penny at https://www.thepennyhoarder.com/dear-penny/

Lisa Rowan is a personal finance expert and senior writer at The Penny Hoarder, and the voice behind Dear Penny. For more practical money tips, visit www.thepennyhoarder.com.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.



source The Penny Hoarder https://ift.tt/2P58VSv

Chase Travel Portal Moves to Expedia: Now What?

Living the Gig Life? You Might Still Need Life Insurance. Here’s How to Get It