Humor in Copywriting – Tips for Using Humor in Copywriting

Humor in Copywriting – Tips for Using Humor in Copywriting

Humor in Copywriting

Tips for Using Humor in Copywriting: Copywriting is difficult, and learning how to write great copy is no easy task. While anybody may write a blog post, only outstanding content can appeal to your audience’s subconscious and encourage them to act.

Humor is an excellent approach to connect with your audience and, when employed in copywriting, will leave them with a favorable impression of your company, enhancing their trust in it.

In this post, we’ll look at how humor works in copywriting and how you can include it into your work to produce more pleasant and engaging content.

Tips for Using Humor in Your Copywriting

There are a few copywriting methods you can use to get the most out of your copy’s comedy.

Use Conversational Tone of Voice

Stories are an effective strategy in copywriting, and while employing humor, keep in mind that your writing tone should be conversational and pleasant [1] so clients feel involved with the content. Using terms like “you” and “your,” as well as slang, can assist to produce a more natural tone of speech.

By including comedy in your text, you may demonstrate to clients that you are not stiff, stuffy, or overly serious about your products and services. You may keep people engaged and eager for answers by employing words like “So what’s the situation with…”

Keep the Copy Brief

Humor In Copywriting

You must avoid introducing information overload while using humor. Keep your text quick and direct when writing in a funny tone so that clients aren’t bored or distracted by too much detail.

If visitors look interested, you may add extra information later, such as FAQs or blog articles, but for now, keep the content brief to prevent losing their attention.

Don’t Try Too Hard

It’s recommended not to strive too hard when writing for humor, as this might upset clients and make your content less successful.

Humour should flow naturally; you don’t want to inadvertently irritate or anger people with your message if you force it.

You won’t have to work as hard to keep the text succinct, and your clients will appreciate the message more.

Humor in copywriting is an excellent method to keep your clients interested in your business. It helps clients connect with the firm they’re buying from and builds confidence by demonstrating that this organization isn’t too serious.

Understand Your Audience

The whole idea of crafting humorous content is to engage your readers.

To do this, you must first understand your target audience. Humoring your audience [2] in this context will necessitate an understanding of what they like hearing, the appropriate setting (media) for engaging them, and the aim of your humor. Discover what type of words people react to.

Knowing your audience can help you choose the type of humor that will interest them. When targeting young individuals, for example, slang and humorous language with a casual tone would be the best method to write your copy.

A more formal approach may be more appropriate in copywriting for an older generation or in business-related marketing materials.

Benefits of Using Humor in Copywriting

There are several advantages to including humor in your copy.

Make Copywriting more interesting:

Humour improves the attraction of the work and helps it stand out from the competition. People will stop, look, and read more attentively because they are interested in what you have to say, rather than scrolling right through it. Customers will be more inclined to remain with your brand if they have joy reading your material.

Create a memorable message:

When utilized correctly in copy, humor may assist you in humanizing your brand. You not only capture people’s attention, but you also leave an indelible impact on them.

If you’re marketing a product or service that’s vital to your clients, using humor to help them recall the benefits and what it can do for them might be beneficial.

Customers who are familiar with your brand are more inclined to buy from you.

Deflecting Attention

Subtle marketing is vital since it shifts the focus away from your product or service and onto something more attention-grabbing.

When you have a strong message to make, humor might help individuals let down their guard [3]. In this aspect, you might utilize humor to hide an otherwise difficult sale that your audience could have rejected.

Humorous copywriting efficiently redirects the attention to what your business believes in or the experiences your products provide for customers.

Attracting attention

how should I care for my goldfishHumour is also a powerful strategy for grabbing attention. Funny content has the ability to become viral quickly and encourage people to interact and engage with your company. A notable example is the Superbowl commercials [4], which get people talking just before the Superbowl season is about to begin.

Witty copy also generates feedback when you need it. This is especially true on social media, where you may utilize humor to engage your audience and solicit comments.

Conclusion

To summarize, using humor in copywriting is an excellent method to keep your clients interested in your company.

It allows customers to connect with the company from which they are purchasing and increases their trust.

It’s crucial to remember, though, that humor is subjective. Your text will not appeal to everyone. Keeping the copy brief can assist you to avoid possibly annoying clients and making your business appear more approachable without compromising professionalism or knowledge.

Brought To You By: Google Ranking Monster

References

[1] https://www.thedrum.com/opinion/2020/07/24/the-importance-tone-voice-brands

[2] https://sweetfishmedia.com/show/b2b-growth/humor-in-b2b-marketing-andrew-tarvin/

[3] https://www.tenato.com/blog/is-marketing-a-laughing-matter/

[4] https://www.businessinsider.com/most-unforgettable-super-bowl-commercials-best-super-bowl-ads-ever-cindy-crawford-2018-2?r=US&IR=T#apples-1984-1

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Conversion Copywriting 101: How to Use Copywriting To Increase Your Conversion Rates

Conversion Copywriting 101: How to Use Copywriting To Increase Your Conversion Rates

Conversion Copywriting 101

How to Use Copywriting To Increase Your Conversion Rates: Whether you’re a website administrator, marketing, or web developer, understanding how to increase the number of people who visit your website and, ideally, convert into customers is crucial. Conversion copywriting is one of the most effective ways to do this.

What is Conversion Copywriting?

Conversion copywriting is the process of crafting text that encourages your readers to take action, such as purchasing your products or services.

Copywriting allows you to appeal to the reader’s emotions by precisely outlining how a product will affect the reader’s life if they purchase it.

Your success as a copywriter is contingent on creating compelling material that attracts and persuades your target audience to purchase or learn more about a product or service. You may describe a measurable action that a reader will do after reading your information, which is known as a conversion.

In this piece, we’ll go through how you can employ conversion copywriting abilities to boost website conversions.

Identify Your Reader’s Pain Points

Conversion Copywriting 101

People typically buy goods because they are driven by a strong desire to meet a need or solve a problem.

Great copy highlights and amplifies the customer’s key aim, increasing their desire to buy.

This is often performed by identifying an issue or pain point and explaining how the solution will meet those criteria while simultaneously resolving the problem/pain point.

People are more likely to buy a product or service if you address their issues and provide a solution in the form of an offer.

In the form of Search Queries, Google Analytics, for example, can show you what your visitors are looking for on search engines.

These questions generate important keywords that help you learn what your website visitors are looking for the most.

Understanding your reader’s misery enables you to focus on that anguish in order to captivate their attention and encourage them to do the action you wish.

Creating a Compelling Offer

As copywriters, we typically focus on expressing to the customer the benefits of a product or service. However, it’s equally important to assess what you’re offering and how you package it.

This level requires you to answer the following questions:

  • What do you have?
  • What will it do for them?

As a copywriter, your role is to demonstrate why your offer is better than the other alternatives accessible to your audience.

The first step in crafting a compelling offer is to make a promise to the reader [1]. Your promise should clarify how your product will assist customers in resolving their problems.

Following the presentation of a promise, the next process is to construct a value proposition that fulfills the audience’s needs. Your value proposition should include the characteristics of your goods as well as how they benefit the reader.

The final step in creating a compelling offer is to deliver value that your reader will find tough to turn down. Value is perceived, and it may take the form of a discount or a bonus worth more than the reader is willing to spend.

Create Your Audience Persona

Knowing who you’re attempting to persuade is critical for creating material that appeals to the proper type of prospective customers.

A persona is a false portrayal of your ideal customer. Knowing this “person” enables you to compose material that suits their specific needs, preferences, wants, and desires.

By developing the persona of your target consumer, you can create an appropriate copy bridge that takes them to the solutions or benefits that your items provide.

Client personas assist you in understanding [2] where your target client is in the purchasing cycle and how to effectively create a relevant message for them.

Learn and Understand AIDA

AIDA [3] is a framework for writing content that successfully interacts with your reader.

It refers to the stages of attention, interest, desire, and action.

Attention – As a copywriter, you must first persuade your readers to notice your ad or content. This may be done through the use of catchy headlines, appealing value propositions, or the display of relevant facts and statistics. These are all strategies for piquing your reader’s attention.

Interest – Once you’ve piqued the reader’s interest, you must keep it. You may stimulate your reader’s interest by providing specific details about your product or service. It is impossible to overestimate the value of clarity and detail in keeping the reader interested in your service.

Desire – Once a prospect is aware of your product or service, you must create a desire for it by explaining how they would benefit from owning it. This may be achieved by telling personal stories, clarifying jargon, and stressing the problems that your product can solve.

Action – The last stage of a successful sale requires persuading the reader to take action and finally buy your items. You can do this by fostering a sense of scarcity or highlighting the value of time.

At this stage, you should build a clear call to action by asking the user to select one of several options.

You may engage your audience at each stage of the purchase process by building your content around these stages.

Overcoming Objections

Copywriting Tips For Blog Posts

Overcoming objections is critical during the selling process. You accomplish this by making your product stand out from the crowd, communicating effectively, and giving value that exceeds the price.

Understanding your customer’s needs, goals, and values helps you to effectively remove any doubts they may have about making a purchasing decision.

This can be accomplished in a variety of ways, including:

  • There is a money-back guarantee available. This indicates your dedication to your product and builds trust.
  • Share success stories from previous customers or long-term users of your product or service. These endorsements highlight the value of your product and how it has benefited others.
  • Make a list of frequently asked questions (FAQs) to address any inquiries that the reader may have.

A/B Testing Your Copy

Writing, like every other promotional strategy, is always evolving. By testing your copy, you can determine what works and what doesn’t. A/B Testing allows you to test different variants of headlines or text to see which one works the best.

Since there is no magical recipe or approach to copywriting, the only way to determine what works and what doesn’t is to test. Neil Patel presents a list of seven essential copy components [4] that you may test in order to optimize and increase your conversion rates.

Conclusion

The power to make appealing content is a skill that may be utilized to boost the conversions of your website.

Copywriting educates you how to examine your readers’ issues and present solutions in ways that the market will accept.

Conversion copywriting may help you overcome any barriers your readers may encounter, as well as increase the number of readers who convert into prospects and buying customers.

Brought To You By: Ranking Monster

References

[1] https://copyblogger.com/copywriting-offers/

[2] https://contentmarketinginstitute.com/2011/04/4-questions-answered-about-buyer-personas/

[3] https://www.crazyegg.com/blog/aida-copywriting-formula/

[4] https://neilpatel.com/blog/ab-testing-web-copy/

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Copywriting Tips for Blog Posts – First Use Catchy Headlines

Copywriting Tips for Blog Posts – First Use Catchy Headlines

Copywriting Tips for Blog Posts

Copywriting Tips for Blog Posts: Do you wish to create blog posts with a high conversion rate?

Aside from educating and informing your readers, the goal of your blog posts is to lure readers and generate leads and income for your products and services.

The goal of blog article copywriting is to promote reader engagement with your content, company, and products.

Optimizing your conversions when writing blog posts is crucial to assuring the profitability of your blogging.

How can you use your copywriting skills to create blog posts that are convincing, interesting, and relevant to your target audience?

This article looks at several copywriting ideas that might help you create blog posts that convert.

Catchy Headlines

Headlines are an excellent method for capturing people’s attention and pique their interest. They are intended to divert the reader’s attention away from other activities that may be competing for it.

Copywriting Tips For Blog Posts

Even if you have a well-written blog piece, if your title is not geared to capture your audience’s interest, you will not earn any hits.

According to Copyblogger, whereas 8 out of 10 people interact with headlines, just 2 read an article after seeing its title.

Making an effort to write captivating headlines will help you get more click-throughs on your blog posts. High click-through rates will eventually increase conversion rates on your website.

Most copywriters adhere to a formula when it comes to creating attention-grabbing headlines. Buzzfeed, for example, generates its headlines using an algorithm. Here are some examples of headline formulas:

  • Numbers (7 Steps to…, 20% of Readers…),
  • Positive and emotional phrases (such as Stunning, Great, etc.),
  • They occasionally incorporate derogatory phrases (such as Insane, Fear, Unbelievable, etc.).
  • A question can also be used as a headline.

When generating headlines, use precise headers that accurately depict the true content of your blog piece.

Your First Paragraph is Important

Your first paragraph is your only opportunity to create an impact on the reader. Make ensure you do everything correctly.

Your introductory paragraph, as indicated in the title, should be followed by crucial information that your reader is eager to discover.

Your introductory paragraph gives you the opportunity to influence what your reader thinks about your blog material.

Your beginning paragraph should catch the reader’s attention enough for them to want to keep reading, in addition to providing value to the reader.

Format Your Blog Post Appropriately To Increase Retention

It is crucial to organize your blog content into manageable categories. It holds your readers’ interest throughout the essay.

Formatting your blog postings enhances the user experience of your viewers. It helps with understanding, which leads to improved conversion rates.

Subheadings can be used to organize subtopics inside a blog post. Your subheadings should speak directly to the reader and act as a guide to discovering information.

Using underlines, boldface, italics, and lists to design your blog posts might help you direct your readers’ attention to the things you want to emphasize in your blog post. The style enhances the intelligibility of your blog material and is great for users looking for simple information.

Use Data to State Facts and Support Your Thoughts and Opinions

Copywriting relies on research and data to back up the benefits that product features provide.

Data may aid in the improvement and validation of your blog content. Including a scientific grounding in your content will increase the persuasiveness of your blog posts.

References boost your authority since they give people evidence to back up your claims.

Have an Elaborate call to action

A clear call to action is a crucial component of copywriting. Visitors to your website will take action, whether you want them to subscribe to your newsletter, donate, or purchase a product or service.

If your blog post sparked their interest, the next step would be to encourage them to take action.

So, how can you improve the effectiveness of your calls to action? Begin by making your call to action clear, precise, and succinct. Your guest should understand what you expect of them.

Make your call to action stand out and stand out from the rest of your website. For this purpose, brightly colored buttons are usually employed.

Include a sense of urgency [1] in your call to action to force your visitors to take action. Use forceful verbs and positive phrases in your content.

Giving your CTA visitors an option may also help them make a decision. Reverse psychology may be used to persuade your visitors to act. You can complete the task with a simple yes or no question.

Write Clear And Concise Messages

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To convert blog posts or articles, a clear and straightforward message is necessary. Make sure your content is clear and concise to boost the number of conversions on your website.

Your objective is to establish a rapport with your audience. Remove the fluff and attempt to make an easy-to-understand blog piece. Unnecessary text dilutes the importance of your message, which is ironic.

A previous study on online content readability [2] indicates that the majority of people prefer reading language that is intelligible to 11-13 year-olds. Your information will have a bigger impact if you utilize simple language to break down tough themes.

For readability, short and straightforward phrases of 14-17 words are preferred. Your paragraphs should be two to three sentences long. Large blocks of text, especially on mobile devices, are difficult to read.

Bullet points can also help you draw your audience’s attention to the main points of your work. They also give visual variety to your content.

Optimize For Mobile

social media for authors

Smartphones have changed the way people across the world absorb information. You don’t have to be stuck at your desk to be aware of what’s going on around you.

Optimizing your blog posts for mobile is just as important as doing the other measures necessary to boost your website conversion rates.

Mobile optimization, according to Google research [3,] requires understanding where mobile users’ attention is focused—the middle of the screen. Make sure your copy is in the center of your mobile screen.

Utilize mobile-friendly website designs. The above-the-fold design is critical since it helps you to instantly attract the attention of your visitor.

Your text arrangement should be mobile-friendly as well. Check that your text is properly formatted and readable. Use white space between paragraphs to improve the reading experience even further.

Finally, make sure your copy can be scanned on a mobile device. Make certain that your core point is clear and that the benefits of your writing stand out.

Conclusion

Copywriting offers a plethora of knowledge on how to write blog articles that convert. You may use your copywriting skills as a yardstick to tweak your blog posts in order to attract, engage, retain, and convert readers.

Brought To You By: Google Ranking Monster

[1] https://www.searchenginejournal.com/create-urgency-conversions-sales/249643/

[2] https://vwo.com/blog/website-copy-readability/

[3] http://static.googleusercontent.com/media/research.google.com/en/us/pubs/archive/43224.pdf

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How to Promote Affiliate Offers Using Social Media Platforms

How to Promote Affiliate Offers Using Social Media Platforms

How to Promote Affiliate Offers: At least 100,000 active affiliates promote things in today’s major affiliate networks [1]. Affiliate marketing is a simple process to get started with. There is no financial commitment required, and you will not be liable for order fulfillment. Affiliate marketing is particularly prevalent among digital publishers. This is driven by a desire to monetize the content they create. Being an affiliate may be on your mind whether you are already a digital artist or want to become one.

Although affiliate marketing is a passive money source, active promotion is required. People will be unaware of your one-of-a-kind affiliate connections until you publicize them. Until you build awareness, you will not be able to earn commissions from merchants or brands. There are several promotional strategies available for affiliate marketing. The strategies let you share and promote affiliate offerings to your target audience. If you’ve been stuck on how to market affiliate promotions, you’ve come to the right place.

Strategies to Promote Affiliate Offers

Share Your Unique Links in Blog Posts

The first step in acquiring the best affiliate offers is to identify your specialty. Following that, you may undertake research to select the best schools with appealing offers and large incomes. One of the most typical ways for people to market these discounts to their audience is through blog entries. You’re on the right road if you have a blog or want to start one. A blog gives people an easy way to get essential information from you.

As the popularity of your site grows, so will the number of people who visit and click on your affiliate links. You may promote affiliate offers on your blog in a variety of ways. Among the techniques are:

  • Writing product or service reviews and incorporating links into articles
  • Including affiliate offers or links in your blog’s resources section.
  • Incorporating affiliate links into relevant blog material in a novel way.

Embed Affiliate Links into Video Content

If you’ve ever watched a YouTube video, you’ve probably noticed a bunch of affiliate links in the description box. Video is a wonderful marketing tool, and you should use it. YouTube [2] is the world’s second most visited site, so you can see how your offer may be seen by a significant number of people. Video footage is a visually appealing way to promote everything you have to offer. You may actively show and demonstrate the products to visitors, making them more enticing to purchase. After that, send people to your description box, where you’ll provide your affiliate link.

strategies to promote affiliate offers

Grow and Utilize a Mailing List

Even if you don’t have a website or a YouTube channel, you may start creating a mailing list. Having a mailing list, as opposed to social networking platforms, gives you a sense of ownership and control. People who sign up for your email list show that they are interested in what you have to offer and are eager to listen. To keep readers from unsubscribing, your newsletters must be consistent and imaginative. In two methods, newsletters may be used to advertise affiliate deals:

  • aggressively promoting the product or service In the case of a launch or relaunch, for example, distributing regular articles or stories and incorporating links in them.

In any case, be certain that you understand your target audience and deliver your offers in an enticing manner.

Use Paid Advertising

There are several kinds of internet advertising. Some of the most common types include Google Ads, Facebook Ads, and Instagram Ads. You may experiment with social media even if you don’t have a website or don’t want to spend a lot of money on Google Ads. Social media advertising offers a range of alternatives and forms for marketing your affiliate link. You may use enticing photos and graphics, as well as engaging films. However, in order to avoid spending more than you make, you must be astute and circumspect when it comes to sponsored advertising.

Using Social Media Platforms for Affiliate Marketing

Affiliate marketing has increased in popularity over the years, and people are continuously looking for new ways to promote their businesses. With social media usage on the rise, incorporating social media platforms into your affiliate marketing strategy is only logical. With social media being used by 53.6 percent of the world’s population [3] it’s no wonder that marketers are increasingly embracing social platforms. This also applies to affiliates.

As an affiliate, social media networks may assist you in growing your business. It’s natural to desire to grow your affiliate marketing business, whether it’s a part-time or full-time endeavor. With consumers glued to their screens these days, you may want to put your products with caution. Using social media for affiliate marketing may assist you in increasing your affiliate income. It’s also a low-cost way to spread the word about what you have to offer.

Why Should You Use Social Media Platforms for Affiliate Marketing?

Image text: "A Complete Social Media Strategy for Facebook and Video Marketing".

Under the affiliate marketing concept, affiliates are compensated for generating sales for a merchant via affiliate links. Many people do this as a side hustle, and many more have gone on to make it their full-time job. One of the most important components of starting an affiliate marketing business is establishing an audience. If you don’t have an audience, you’ll be speaking to no one and thus making no sales.

Social networking sites provide a low-cost, simple-to-implement method of increasing traffic and sales. Unlike other platforms, such as blogs, you can quickly establish a social media presence and begin growing your following. Social networking sites also include a number of content creation tools that you may employ. You may utilise these to create interesting content that can be seen by people all around the world. Increase your affiliate commissions by growing your audience naturally and through sponsored ways. While it is simple to set up social media accounts and share links, you must also be strategic.

How to Effectively Use Social Media For Affiliate Marketing

As previously said, you must utilize social media strategically. This is the distinction between a successful and a failing affiliate.

Choose the Right Social Media Platform

Creating accounts on all social media networks is one of the most common mistakes affiliates do. The problem with this method is that you could not receive the desired result. However, you will have a better chance of success if you chose your social media networks intelligently. Consider your goals, target audience, and the channels your competitors utilise when determining which platforms to leverage. This helps you to be more specific in your approach.

Create Landing Pages

If you develop landing pages, you have more control over what your audience sees when they click on your link. Instead of immediately diverting your viewers to the retailer’s website, a landing page allows you to provide extra information to them. A landing page is an amazing conversion tool that also allows you to give your audience reasons to trust you. Include eye-catching images, engaging text, and a clear call to action.

Create Valuable Content

People are more likely to trust you and buy from your affiliate links if you provide useful material. Avoid seeming too “salesy” in your content. Even if your ultimate goal is to generate cash through your connections, you must also provide value to your audience. Nobody likes a pushy marketer, yet everyone is constantly looking for relevant and relatable content. Be genuine when sharing items for sale. People may detect dishonesty fast, therefore you should only promote goods that you are familiar with.

By skillfully employing social media platforms in conjunction with other resources, you may progress from a novice to an expert affiliate. Choose the products or services you want to sell, then choose the proper channels and create high-quality content. Paid adverts on social media platforms like Facebook and Instagram might be incorporated into your strategy. This will enable you to reach a larger number of individuals.

Conclusion

There are various ways to promote affiliate products. It is not enough to pick one and disregard the other creative approaches to get your products out there. You may start with one or two strategies, grow your audience, and then go on to other platforms and technologies. Knowing how to properly advertise affiliate offerings is important to making a lot of money with affiliate marketing.

References

[1] Rastas, J. Useful Affiliate Marketing Statistics in 2021

[2] Newberry, C. 25 YouTube Statistics that May Surprise You: 2021 Edition

[3] Chaffey, D. Global Social Media Statistics Research Summary 2021

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Dental Implants in Forest Hills Queens, NY

Dental Implants in Forest Hills Queens, NY

Dental Implants in Forest Hills Queens, NY

Dentures and implants are both viable tooth replacement solutions. Dentures are a less expensive option, but they are connected with increased looseness, discomfort, and trouble speaking and eating. While implants are the greatest option for replacing lost teeth, their excessive cost may make them out of reach for many people.

The most important thing to remember if you are missing teeth is to replace them with a dentist-approved option, such as dental implants or dentures. Missing teeth can have a major impact on your oral and general health.

Dentures and implants are viable solutions because they allow you to chew and eat a range of foods. Both techniques are capable of imitating the appearance of natural teeth. However, this is not a possibility for everyone. Because of untreated gum disease or jawbone loss, some people are not candidates for implants. Dentures, on the other hand, are not for everyone. It can be difficult to create a seal to keep dentures in place if they do not sit on a ridge of bone in the jaw or on the remaining teeth. Find the Best Dentist in Forest Hills.

dental Implant

Because most people may now have dental implants or dentures as a consequence of technological advances, it’s simply a matter of weighing the advantages and disadvantages and deciding which option is ideal for you.

Dentures cost more than dental implants. They do not, however, treat jawbone deterioration. When your body detects a missing tooth, it begins to take minerals from your jaw and re-distribute them throughout your body. As a result, the area of the jaw where the tooth root formerly was weakens and deteriorates. Teeth on both sides of the gap will begin to migrate in the gap’s direction. The patient’s face may gradually collapse, compromising facial structure and making dentures difficult to wear.

To minimise more tooth loss and jawbone damage, it is best to speak with one of our dentists to discover if you are a candidate for dental implants. Dental implants are suggested whenever possible to help patients prevent the long-term health consequences of tooth loss.

The advantages and disadvantages of dentures versus implants

Dental implants have several benefits.

Convenience: Once in place, dental implants can be treated in the same way that natural teeth are. Dental implants, unlike dentures, do not need to be removed and soaked overnight; instead, they can be brushed. A dental implant ensures that a person who is self-conscious about their appearance as a result of one or more missing teeth is never caught off guard.

A titanium screw inserted into the jawbone holds dental implants in place. The screw operates similarly to the root of a normal tooth, giving the jawbone purpose and avoiding bone loss. A strong and healthy jawbone helps to keep the shape of the face.

Dental implants are the most realistic-looking and natural-feeling artificial option available.

Dental Implants Are Not Without Consequences

Time and money: Dentures typically take longer to make than dental implants. Both, however, are made to order; dental implants, in particular, necessitate a lengthy preparatory period. While dental implants can be placed in a single day, the implant post and jawbone must fuse for three to six months. As a result, implants demand further appointments as well as oral surgery. A temporary fix can be worn while the jaw recovers throughout the osseointegration process.

Certain people may require bone grafting or sinus enlargement to support an implant, which adds time and money to the process.

Dentures are less expensive than implants, especially when multiple teeth or an entire arch are needed. Dentures may be a reasonable option for elderly people on a tight budget.

When it comes to surgery, less is more (or none at all): Dentures do not necessitate as much dental surgery as dental implants, allowing for a faster manufacture and installation process.

Dentures have a few disadvantages.

Levels of Comfort: Even though dentures have improved over time, they can still cause sores. Uncomfortable ulcers can develop from ill-fitting dentures. To avoid causing harm to their gums, patients should contact their dentist or prosthodontist for a checkup and, if necessary, have their dentures adjusted or fitted. To avoid gum irritation, any denture fracture, no matter how little, should be fixed and the dentures relined as soon as possible.

Dietary Changes: While most patients will stick to a soft food diet for the duration of the transition period, others will do so eternally because biting and eating intricate meals can cause ulcers on the gums where the dentures rub. Saliva is required to keep the gums and dentures from rubbing against one other. Certain foods, on the other hand, reduce saliva flow. Salty snack foods are one of the main reasons. Extra fluids, on the other hand, can counteract the salty food effect.

Bone Degeneration: Dentures, unlike dental implants, do not help to protect the jawbone. The jawbone holds our natural teeth in place. When teeth are missing, the body interprets the jawbone as no longer functioning, resulting in bone resorption. Up to 25% of the jawbone can degenerate in the first year after multiple tooth loss. As a result of bone resorption, the form of the face may change.

Brought to you by Dentist Forest Hills. Forest Hills Dental Implant

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SEO Updates January 28, 2022

SEO Updates January 28, 2022
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Trying to Rank a Listing Higher? This Is For You.

If you’re working to rank a Google listing higher, this weekend is for you.

We just published Chaz’s Location Page Audit checklist to help improve your local SEO. Plus, this weekend’s deal can take your local optimization a step further… 

 

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Let us handle the research (or the entire link building process) – you can focus on higher level tasks like sales!

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There are only 3 spots left in the Beta Group for SERP Results (the rank tracker we built). You can sign-up for our beta test to try it FREE before anyone else.

Spots will be gone today, so sign-up soon ? 

Improve Your Location Pages with Chaz’s Location Page Checklist

You can even download the checklist to use in your own processes.

This Week in the Local SEO Community

To take part the conversation, join the group!

You can also Opt-in to our Text Deals for 15% OFF

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Chaz’s Local SEO Course 2.0
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Chaz is updating his ENTIRE Local SEO Course with the tactics that are working now. The first 9 videos have been released, with many more to come in the next few months.

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Send your videos to: [email protected] 

Get a Free Custom List till Sunday

FROM THE VAULT
Episode 125

Co-Host: Bucky Helms + Sophie Allen

What we discussed this week…

✔ January 22nd MORE Unconfirmed Google Search Ranking Update
✔ Google Maps “Updates From Customers” A Nightmare For Business Listings?
✔ Answered: Is it possible to rank 1 page sites that contain quality content?
✔ Answered: Can you talk a bit more about your anchor ratio strategy and its effectiveness?

> Watch the Latest SEO Vault episode to catch up on the most recent local update and so much more.

Don’t forget The SEO Vault airs live on the Web 2.0 Ranker Facebook every Thursday at 4 pm EST.

Interested in being a guest on the vault!? Sign up now

https://forms.gle/ae5Dh575BqYieDBEA 

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SEO Mad Scientist ???

The SEO Mad Scientist is off testing this week, but will be back next week with updates on our tests!

Until then,
Happy Testing 

The Most Important Things To Know About Earwax

The Most Important Things To Know About Earwax

The Most Important Things To Know About Earwax

The Most Important Things To Know About Earwax: Earwax is a yellowish, waxy substance in the ear produced by the sebaceous gland in the ear canal. Cerumen is another name for it.

Earwax protects, cleans, and lubricates the ear canal’s lining. Insects, fungus, and bacteria cannot penetrate the ear canal and cause harm to the eardrum because the eardrum is protected from moisture, dirt, and these microorganisms.

Earwax is primarily made up of skin lost layers.

It includes:

60 per cent keratin

12-20% saturated and unsaturated long-chain fatty acids, squalene, and alcohols

Cholesterol: 6% to 9%

Earwax has antimicrobial qualities and is mildly acidic. Earwax prevents the ear canal from drying out, becoming plugged with water and being vulnerable to infection.

However, if earwax builds up or hardens, it can cause issues such as hearing loss.

Please continue reading to learn more about earwax issues and how to deal with them.

important things to know about earwax

Microsuction Milton Keynes

Earwax-related symptoms

When too much earwax accumulates and hardens, it can form a clot that plugs the ear. An obstructed ear canal can be uncomfortable and impair hearing.

Earwax blockage might result in the following symptoms:

Earache

an infection in the ear

Itching

Tinnitus, often known as ear ringing, is a condition in which the ear is ringing.

a sensation of fullness in the ear

dizziness, or a sense of imbalance that can cause dizziness and nausea

Coughing, which is induced by congestion pressure and activates an ear nerve

An excessive buildup of earwax causes many hearing aid malfunctions.

When attempting to remove earwax, avoid putting anything in the ear.

Inserting cotton swabs and other things into the ear canal can push the wax deeper into the ear canal, exacerbating the condition.

Causes

People who create a lot of earwax are more prone to have clogged and lodged earwax in their ear canals.

Swimming might induce excessive earwax production in some persons.

Hearing aids and earplugs keep earwax from naturally dropping out of the ear, causing it to build up inside it.

These are some examples:

Q-tips or cotton swabs

bobby pins

Keys

Corners of napkins

These products have the potential to push earwax deeper into the ear canal. They can potentially cause lasting harm to the sensitive tissues of the ear.

Cleaning or removing earwax should only be done with the assistance of a healthcare expert.

Risk elements

Some people are more prone to earwax problems than others. People who accumulate a lot of earwax include:

People with narrow or incompletely developed ear canals

People who have highly hairy ear canals

In the outer ear canal, people have osteomata or benign bone growths.

persons suffering from skin ailments such as eczema

Elderly adults, whose earwax grows drier and tougher with age, are at a higher risk of obstruction.

People who suffer from recurring ear infections and congested earwax

People suffering from lupus or Sjögren’s syndrome

Earwax problems are common in people with learning difficulties, but the cause is unknown.



Natural cures

Extra earwax can be removed at home by wiping the ear’s exterior with a washcloth.

Alternatively, a pharmacist can advise on appropriate over-the-counter medications.

Ear drops can also be made from the following solutions, which are commonly accessible in pharmacies:

Hydrogen peroxide is a moderate antiseptic that can be used to treat wounds.

olive oil, almond oil, or baby oil

Glycerine

Mineral lubricant

To use the ear drops, angle the head so that the affected ear is facing up, insert one or two drops, and wait for 1-2 minutes. After that, bend your head to point down your ear and allow the liquid to drain.

The earwax should be gone if you do this twice a day for two weeks. This frequently occurs at night when the person is sleeping.

Earwax should never be removed using a cotton swab or any other item. Inserting things into the ear canal can cause harm to the sensitive tissues in the ear, exacerbating the blockage.

man in blue shirt

Medical attention

If home cures do not work, you should consult a doctor rather than attempting to remove earwax on your own.
Medical equipment called an auriscope or otoscope is used by a clinician to inspect the ear canal. They will examine the ears for earwax buildup and assess whether it has become lodged.

Usually, earwax slips out on its own. Treatment is required only if earwax blocks the ear, causing pain or hearing loss. In these circumstances, the doctor will most likely remove the earwax.

There are various ways to accomplish this, including the following:

Dropped eardrums

Ear drops will be prescribed or recommended by the doctor to soften the earwax and make it easier to remove. For the best outcomes, ear drops should be applied at room temperature rather than at room temperature.

Earwax softens typically after a few days and eventually falls out on its own.

Ear drops should not be used by anyone with a perforated eardrum or an active ear infection.

Irrigating the ears

If for the best outcomes, ear drops should be applied at room temperature rather than at room temperature. If drops do not work, the doctor may propose an irrigation treatment.

This entails directing a high-pressure water jet into the ear canal to loosen and remove the clog.

Previously, doctors irrigated the ear with a metal syringe, which carried a small risk of injury.

Electronic ear irrigation systems now deliver a precisely controlled stream of water into the ear canal at body temperature.

The starting pressure is kept as low as feasible using pressure control. To ensure that the fluid reaches every ear canal portion, it may be essential to hold the ear at various angles.

Because of the large amount of earwax, the doctor may need to use an auriscope to examine the interior of the ear several times during the irrigation procedure.

Although ear irrigation is not painful, the sensation of water splashing into the ear may be unusual.

If this occurs, the doctor may perform additional tests to determine the presence of an infection.

If the flushing does not eliminate the earwax, the user may need to continue softening the earwax with drops before flushing again. Before flushing, the doctor may place water in the ear for about 15 minutes.

If this does not help, the doctor may recommend consulting an ENT expert.

When is irrigation not a good idea?

Ear irrigation is not appropriate for everyone or in every situation. If any of the following conditions exist, the procedure may be ineffective:

The individual has had ear surgery within the last 12 months.

A tympanostomy tube, often known as a grommet, fits a youngster. This is a tiny tube that doctors place to allow middle ear ventilation.

Another foreign object has become lodged in the ear canal.

The individual was born with a cleft palate.

The person has a perforated eardrum or has had one in the last 12 months.

The individual has recently had a middle ear infection (otitis media).

A mucopurulent discharge from the ear may signify an undetected perforation.

Anyone who has previously experienced difficulties such as extreme dizziness or discomfort resulting from a flush should not have this operation again.

Removal by hand

Microsuction or manual removal of the ear canal may be recommended if irrigation is not an option or is inefficient in treating the condition.

Microsuction involves sucking earwax out of the ear with a bit of a device.

Manual removal involves cleaning the ear and scraping off the wax using a narrow device with a slight bow.

Curettes, spoons, and hooks are other equipment that surgeons may employ during this surgery.

It will also be necessary for the doctor to utilize a particular microscope in order to see what is going on.

If the person still has hearing problems or tinnitus after removing the earwax, they may need a hearing test to rule out other issues.

Brought To You By – Microsuction Milton Keynes

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How to Stop Snoring? Snore Block is The Perfect Solution

How to Stop Snoring? Snore Block is The Perfect Solution

How to Stop Snoring? Snore Block is The Perfect Solution

How to Stop Snoring? Snore Block is The Perfect Solution: SnoreBlock is a carefully selected blend of natural herbs and enzymes that remove the secretion that produces and obstructs throat swelling. You will no longer snore. The throat is removed, snoring is eliminated, and your body is oxygenated. It implies that if you snore when sleeping or napping, your airways become clogged. During repose, your throat and palate muscles relax, and your throat narrows. If your throat is bloated or you have edoema, you may have difficulty breathing.
How Does It Operate?

how to stop snoring

Procedures always carry some level of risk– you may be subjected to scars as well as post-surgery complications. SnoreBlock can likely assist you to stop snoring as well as avoid oxygen deprivation while sleeping.

Natural Snore Remedy: How to Stop Snoring

If you want to learn how to stop snoring, you should keep track of your sleeping habits. Keeping track of your sleep patterns will help you figure out what causes your snoring and what you can do to avoid it. Keep a sleep diary or get your partner to fill out the notebook to accomplish this. If you sleep alone, you can record your nocturnal habits using a webcam.

Soft furnishings should be avoided. These can collect allergens and cause snoring. Hard floors and blinds are easy to clean and can help to reduce snoring. Showering after a long day keeps you fresh and helps you avoid allergies. If you have trouble sleeping, consider avoiding alcohol, caffeine, and soy products. All of these factors will have an impact on your sleep and the quality of your sleep.

Drinking enough water will help you sleep better and snore less.

Drink plenty of water. Snoring will be exacerbated if you eat a substantial meal before going to bed. Limit your consumption of dairy and soy products. Exercise can also help you stop snoring. Regular aerobic activity will tone your throat muscles, resulting in less snoring. If at all possible, you should also aim to decrease weight.

You can try Acai Berry, Goji Berry or African Mango. These work great for weight loss.

Speaking in the vowel and deepening your voice will also strengthen your throat muscle.

snore block

Consult a doctor if nothing else works. Snoring can be harmful to your health as well as the health of those around you. It can have an impact on your career, ability to drive safely, and relationships with your partner. If you have a medical concern, your doctor will be able to propose the best treatment for you. If you do not have a medical diagnosis, your primary care physician may send you to an ENT.

Sleeping on your side is another effective strategy to prevent snoring.

This is less difficult than sleeping on your back, although it may take some time. You can use a pillow to keep yourself from rolling over. The pressure on your chin will diminish, and your airway will become more open. Allergy sufferers may benefit from this as well. Taking a bath can help you sleep better.

A face steam bowl might assist you in opening your airways. This is especially beneficial for those who have a stuffy nose or suffer from allergies. A huge bowl of hot water is required for a facial steam bowl. Then, on your side, lie down. If sleeping on your side is uncomfortable for you, you can cover your head with a towel.

If none of these treatments works, you may want to consider a surgical operation. This treatment can aid in the opening of the airways. A surgical surgery will not cure your snoring problem, but it may help you improve your overall health. If home treatment does not work, you should visit a doctor to determine the best course of action. You may, for example, consider limiting your alcohol consumption. While this may not appear to be an effective technique to stop snoring, it can help lessen your risk of developing sleep apnoea and help you avoid sleep apnoea.

If your snoring habits are causing the problem, you may wish to explore medical therapy.

A doctor will be able to offer you an effective remedy. Alternatively, you could try a natural cure. A body pillow might assist you in maintaining your snoring position. You can also make a lifestyle modification to lower your chances of getting a cold.
Changing your sleeping habits is one of the most obvious snoring cures. Changing your sleeping posture can help to minimise snoring, but always check a doctor before attempting a new strategy. This is especially vital if you sleep alone. You might want to consider investing in a body pillow that will be comfy for both you and your spouse.

Sleep Apnea Anti-Snoring Aids

Those who suffer from sleep apnea will find that changing their lifestyle might be an effective cure. The most typical modification is sleeping at a 30-degree elevation, which helps to avoid airway collapse owing to gravity forces. Another difference is sleeping in a lateral posture, which is more comfortable than supine positions since the gravitational component is smaller. Oral appliances, such as a Mandibular advancement splint, can also aid in keeping the airway open.

A snoring guard is intended to be worn while sleeping.

These devices are designed to fit between the lower lip and teeth and should be used in that location. While it may sound uncomfortably painful, many snorers find that holding the tongue in place during the night lessens the number of episodes. This equipment is comparable to a snoring CPAP machine, except it may cause tooth discomfort.

A snore guard is a device that is worn between the lower lip and the teeth to prevent snoring. While sleeping, the user sucks the air out of it. Although it makes swallowing difficult, many snorers find that it reduces the number of episodes. When the snorer wakes up or falls asleep, the gadget is withdrawn. Snorers frequently make this error.

The snoring guard is meant to fit securely in the mouth, between the lower lip and the teeth. To avoid snoring, the patient must keep the tongue in place. Although the rounded half will protrude from the mouth, it will still aid in swallowing. Aside from snoring, a snorer may endure weight gain and other health issues.

A snoring guard is a device that is worn while sleeping and is positioned between the lower lip and the teeth.

Although they require a prescription, the snoring device is identical to a simple snoring device. To be effective, the snoring guard must be worn for a few weeks. If you snore, you should see a doctor monitor your symptoms and treat the disease.

Snoring is a typical side effect of sleep apnea. The illness can be fatal in some situations, although it can also be treated. Some people who snore are unaware they have sleep apnea, but they can be helped. They may be prescribed a snoring guard by their doctor. The device is composed of plastic and is easily detachable.

snore block stop snoring for good

A snoring guard is a mouthpiece that fits between the lower lip and the teeth. Sucking in air, which causes snoring, is required to utilise a snore guard. After sucking it out, you can remove the gadget by pinching its rounded end. This device will enable you to breathe normally and sleep without apnea.

Snoring can be treated in a variety of ways.

Wearing a snoring guard device may provide relief for some people. Those who do not snore will be able to sleep comfortably with it. However, the snoring guard may not be the most effective snoring cure. Other choices are available as well. The eXciteOSA is a detachable gadget that stimulates the tongue muscles. Wearing a mask or attaching cables is not required.

A snore guard device is the most efficient snoring treatment. The snoring guard is a basic piece of equipment that fits between the lower lip and the teeth. It will be applied to the back of the neck and the side of the mouth. The snoring gadget is comfortable once in place and allows the snorer to breathe freely. Snore guards are typically worn between the lower lip and the teeth.

If the gaps are long enough, the individual may awaken without trying to breathe. The brain may wake the individual up in order to reopen the airway. In severe circumstances, breathing may return to normal in a matter of minutes. A sleep study can assist pinpoint the cause of sleep apnea, which is a prevalent condition. A polysomnogram is advised if the patient has a history of it to identify if it is a significant disease.

If you snore frequently, your doctor will want to find out what’s causing the problem. A doctor can assist you in decreasing the amount of time you snore and improving your sleep. Changing your sleeping posture can also aid in your sleep. Snoring can be exacerbated by increasing the size and weight of your ribcage. Your snoring may be a sign of a more serious underlying disease.

Please visit our site to read more about snoring and SnoreBlock, which will help you stop snoring naturally: https://snoreblock.org/

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The Price Of Failure Is Measured In Interest Rates

The Price Of Failure Is Measured In Interest Rates

interest rates, interest, rate

The price of failure is measured in interest rates: Investors must ask themselves two questions whenever interest rates begin to rise. Who can afford the rising borrowing rates the least, and when do they run into trouble?

Every time interest rates have risen since the 1970s, we’ve seen a variety of borrowers fall into problems. Asian countries, US banks, mortgage debtors in the US, European governments, US technology stocks, and so on.

And each time, the amount at which interest rates had to climb in order to cause the crisis was slightly lower than the previous time. And each time, interest rates have to fall even lower in order to reengineer the next boom.

So, who is it going to be this time? Who will cause another squabble when their interest bill becomes too high?

First and foremost, let us confirm that interest rates are rising. And how much?

The Bank of England (BoE), which just hiked rates to 0.5 per cent, is now expected to boost rates to 1% by May. That may appear insignificant, but consider that it is double the present rate, four times the most recent rate, and ten times the rate that existed prior to that…

Do you believe borrowers can afford to have their interest cost double or quadruple?

Bloomberg had some further thoughts on the BoE’s decision. To begin with, “the rise is the first back-to-back hike since 2004.” In other words, the speed is unusually rapid. But it was nearly as fast:

Policymakers were on the verge of delivering a 50-basis-point hike, with four of the nine-member committee voting for an increase that would have been unprecedented since the UK central bank achieved independence from the government in 1997.

Another aspect of the announcement worth noting is:

The action increased the benchmark lending rate from 0.25 per cent to 0.5 per cent, ushering in a new era in which the BOE would begin to unwind 895 billion pounds ($1.2 trillion) of bond assets built over the previous decade to support the economy.

This complicates matters for the government, which must now find purchasers for its bonds in order to finance its deficits now that the Bank of England has stopped buying them. But at what price… or bond yield… will those purchasers show up?

The shift signals that the Bank of England may lose control of the bond market, which occurs when interest rates rise above what central bankers have been doing in policy shifts.

Actually, it’s worse than simply finding bond buyers for budgetary deficits. The government must also find buyers for its maturing bonds.

Until now, the Bank of England had been purchasing government bonds and rolling over its holdings, which meant that it would purchase new bonds as old ones expired. But this, too, is coming to an end.

Actually, things get worse. As interest rates rise, so will the interest bill: “The BOE will immediately cease reinvesting the proceeds of expired gilts, causing more than 200 billion pounds to run off by 2025.”

In fact, things worsen once more. The central bank has been buying more than only government bonds: “It [the Bank of England] announced intentions to dispose of the full 20 billion pound holdings of corporate bonds by the end of 2023.”

So it’s not only about tying interest rates to monetary policy. It is about selling corporate and government bonds and allowing them to expire, as opposed to the prior position, in which the bonds were purchased and rolled over.

Who will lend the government and businesses the money that was previously provided by the central bank? What is the interest rate?

So, given that the Bank of England is concerned that inflation will exceed 7%, what interest rate would you demand to lend to the government or businesses…?

Also, keep in mind that the Monetary Policy Committee is still WELL BEHIND THE CURVE. Before 2008, the following Bloomberg commentary would have undoubtedly given central bankers a heart attack:

The BOE emphasised its inflation-fighting duty, saying, “the remit is clear: the inflation target applies at all times, underscoring the primacy of price stability in the U.K. monetary policy framework.”

business man

BOE officials increased their projections for the top of inflation to 7.25 per cent in April, more than tripling the BOE’s target of 2 per cent. Previously, inflation was predicted to peak at roughly 6%.

In other words, there has been a lot of discussions but little action.

A major tightening of monetary policy is still a long way off. And we might never get there if someone out there goes bankrupt before we do.

The Americans are also on the move. According to Bloomberg, “The United States Federal Reserve is anticipated to launch its own quick tightening cycle this year, which may include a 50-basis-point boost.”

However, the actual rate hike cycle in the United States, while multiples of current levels, is still likely to peak at a modest level. Indeed, traders anticipate that “the Fed will complete the cycle with the policy rate at approximately 1.65 per cent and long-term inflation expectations anchored around 2 per cent.” As a result, real interest rates (interest rates less inflation) will continue to be negative.

This is, once again, ludicrous given that inflation is at 7%, the highest level since 1982 when the central bank had to impose interest rates of 21% to keep it in check…

Over in Europe, the European Central Bank (ECB) ostriches have taken their heads out of the sand and realised that inflation is out of control. “The ECB opens the door to a rate hike in 2022 as part of a policy reversal,” according to Reuters.

The turnaround was also a polite way of saying it. Until today, the ECB has come up with a teenager’s worth of explanations and denials regarding the eurozone’s inflation.

Even Reuters chimed in:

The European Central Bank finally acknowledged rising inflationary pressures and even hinted at an interest rate hike this year, a remarkable policy shift for one of the world’s most dovish central banks.

Analysts were as harsh: “The European Central Bank made a spectacular hawkish backward roll,” ING economist Carsten Brzeski said.

Now consider this: is ECB President Christine Lagarde a moron?

Actually, don’t respond to that question.

Consider why central bankers could be ready to allow inflation to spiral out of control. Why have they been denying that it is out of control for so long?

Debt is simpler to repay when it is inflated…

In other words, central bankers are more concerned about debt levels and the next financial crisis than they are about inflation.

But, in my opinion, we’ve progressed far past that point. The ECB has been neglecting inflation for considerably more obvious reasons. Many European nations are concerned about more than just increased ECB interest rates. They require quantitative easing (QE) from the ECB to pay their obligations because investors would not do so at current bond yields.

Italy was already in turmoil prior to the outbreak. And the epidemic provided the ECB with the cover it required to purchase the bonds required by Italy to finance its deficits.

Now that inflation has finally trapped the ECB, interest rate hikes aren’t on the agenda. It is a decrease in QE. “We will continue to observe the schedule we have agreed on, and we will be gradual in any determination we make,” Lagarde added. And the sequence she’s talking to is the end of QE before the start of rate hikes.

As a result, Europe may not even be able to raise interest rates before a national debt crisis breaks out. In reality, a lack of QE may cause the eurozone governments to face a funding crisis. Indeed, Italian bond yields have already risen in response to the ECB’s measures.

The latest drop in tech equities indicates the bursting of a bubble that existed as recently as October of last year. What counts even more – to use another metaphor – is that the fuse has already been lit, resulting in a financial explosion.

It’s only a matter of time before someone, preferably someone large, goes bankrupt.

This is one of the reasons Nigel Farage and Rob Marstrand of UK Independent Wealth have been so cautious. Find out what they advise you to do here.

 

Nick Hubble
Editor, Fortune & Freedom

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The Merchants of Menace and the potential debt disaster

The Merchants of Menace and the potential debt disaster

The Merchants of Menace and the potential debt disaster: What happens when interest rates are maintained artificially low over an extended period of time? It may appear to be an academic question. However, if the accurate answer is “the 2008 global financial crisis,” you should sit up and take notice. Especially given where interest rates are at the moment, which is the most out of whack in investing history.

Despite the fact that savings accounts are close to zero, inflation is around 5%, and mortgages are available at half that amount, the Bank of England’s rates are not moving quickly. This is an odd combo.

In the eurozone, the situation is similar, but the central bank is refusing to budge on interest rates at all.

And in the United States, many are worried about the likelihood of a restrictive monetary policy that will do nothing to reduce inflation.

interest rates

But all of this debate about inflation and interest rates is only one side of the issue – the financial and monetary side, to be precise.

Today, I’d want to discuss the actual economy. What happens to the actual economy when interest rates remain artificially low for an extended period of time?

To answer this issue, you must first grasp that there are only a finite number of genuine resources in the real world. The most obvious limits are space, personnel, and physical resources like as metal and oil.

This is in stark contrast to the monetary system, which governments can manipulate spectacularly, well beyond the limits of rationale or truth.

Limitless sums of money can be printed, interest rates can go below zero, and central banks can absorb an infinite amount of debt. Governments can deduct zeros from bank notes and bank accounts, or they can create an altogether new currency.

But let’s go back to business. The scarcity constraint, as economists refer to it, indicates that the key economic concern is how to optimally distribute resources to suit human demands. In other words, who should make what, where, how, and with what.

The capital structure is an important component of this. Should farmers raise a variety of crops and livestock or specialise in one? Is it appropriate for the country to specialise and trade? Should a car firm strive to construct a car on its own or outsource the design, assembly, and other parts? What combination of humans and machines should be employed to complete the task? What should the locations of the factories be? What size should they be? How many different types of cars should be produced? Should our milk be used to produce butter or cheese, or should it simply be sold as milk? Should we buy bread from a bakery, our local supermarket, or prepare it ourselves at home?

How affluent we become and how high our standard of living is determined by how well we answer these issues. And the structure of our living standards is also determined by how we respond to these questions. I don’t think Japanese people desire to live like English people, and vice versa…

Who makes these judgments in today’s economy? Who chooses where, how, and by whom it is produced?

red ballon

The government, in a socialist or communist economy, makes the decisions. You go where you’re told, do what you’re told, in the way you’re told, with what you’re given, and you receive what you’re given in the end.

Individuals making individual decisions about their own individual lives, on the other hand, are how these decisions are determined in a capitalist society.

Isn’t it easy to see why economists like government planning? Capitalism appears to be absolute anarchy.

The thing is because the value is determined by the beholder, capitalism is the best approach to make economic judgments. Governments just do not understand what their constituents want well enough to make sound allocation judgments.

Despite realising that this applies to most aspects of our economy, particularly after the disasters of Communism, we have been stuck with a particular sort of central planning. Central banks, to be specific.

Which brings us back to our earlier discussion of low-interest rates.

Capital allocation decisions are the type of decisions that macroeconomists, such as central bankers, who focus on aggregates such as GDP, do not consider. As a result, they overlook the impact that interest rates have on the real economy. The capital misallocations are caused by low-interest rates.

Conveniently, a group of economists known as “the Austrian School of Economics” provided an answer to this topic several decades ago.

Regrettably, hardly one in governments or central banks is paying attention to them any longer.

In short, Austrians believe that artificially low-interest rates stimulate capital overinvestment. That is a fancy way of stating a larger plant, more machinery, and a more complex manufacturing process.

When interest rates are low due to high savings rates, such an investment is advantageous. This is due to the fact that savings signal an increase in future consumption, which can be supplied in the future by the increased production enabled by higher investment in productive capacity.

However, when central banks artificially decrease interest rates by generating money rather than actual savings, the economy is duped into believing that there will be greater consumption in the future. However, because printed money is not the same as genuine savings when future consumption fails to materialise, the investments are deemed ineffective. Bankruptcies and a recession result.

This is how central bank interest rate manipulation creates the business cycle, rather than reducing it, as news readers would have you believe.

However, there are numerous more consequences of artificially low interest rates. Housing bubbles and banking crises are the most obvious examples.

Just as price limits on energy led to a succession of energy business bankruptcies in the UK’s energy industry, so may the central bank’s interest rate policy lead to bank failures. It causes lending excesses, followed by lending contractions.

This is fundamental supply and demand economics. When you impose a price limitation, you get both surpluses and shortages. In the world of debt and lending, this manifests as loan booms and bank busts.

It’s even easier to understand housing bubbles. Loan affordability is the most important factor driving housing demand. And the major factor impacting loan affordability is the central bank-controlled interest rate.

This manipulation has now reached an astounding mismatch. While inflation is at 5%, Lloyds is giving the lowest ever 10-year fixed mortgage rate of 1.66 per cent. This is totally insane. Your mortgage is being paid off three times over by inflation!

Of course, this is an extreme case, but it reflects the craziness that is the mortgage industry in the United Kingdom, the United States, Europe, and others.

But not so fast…

Remember that scarcity is the main lesson of economics. Governments have the ability to tinker with money, inflation, and interest rates. However, they are unable to suspend reality.

As a result, home values are skyrocketing.

Some of this overstated demand eventually leads to a building boom. That’s exactly what happened in Ireland and Spain in the run-up to 2008, when entire housing estates were exposed as bad investments – and it’s exactly what the Austrian school says will happen as a result of low-interest rates.

The key, however, is growing prices, because physical reality cannot be suspended, only monetary reality.

With an annualised growth rate of more than 11% in January, UK house prices had their best start to the year since 2005.

Do you recall what happened after 2005?

Let me give you one additional ramification of artificially low-interest rates. They keep zombie businesses afloat. Zombies are companies that cannot afford to pay their debts but can find lenders to keep their loans rolling over.

A zombie company going bankrupt is a frightening prospect right now. However, consider the alternative.

These businesses are depleting resources by producing and selling items that do not generate a profit for the corporation. And profit indicates that what is produced is worth more than what was expended to produce it.

Profit, in other terms, indicates the creation of value. If you’re losing money, it’s a sign that you’re squandering resources that could be better used elsewhere.

This is why socialism failed: planners were unable to determine whether economic activity met its intended objective of providing value for customers. They didn’t know whether to create butter or cheese with the resources available since there is no way to tell in an economy without prices, profit, and loss.

Failure is critical in a capitalist society because it permits resources to be reallocated from activities that use resources but destroy value to those that produce value. And the profit motive is the regulating mechanism that ensures we are continually attempting to maximise the gain from the resources we use.

When artificially low lending rates keep zombie enterprises from failing, they generate waste. And it may appear that a large number of corporate failures would be disastrous. In the short run, it would be.

However, in the long run, it is precisely this reallocation of resources that raises our living standards. Otherwise, we’d still be shoeing horses with blacksmiths, developing images with Kodak film, and driving electric automobiles with coal…

Instead, we recognised that the resources being used in those economic activities were being squandered and might be better utilised. We’ve recognised it for the most part…

Where may this all take us?

Stagflation is the ultimate manifestation of monetary interference colliding with real-world limits. Rising costs and a stagnant economy produce items that people don’t want…or at prices they don’t want.

Then central bankers must make a decision. They have the ability to hike interest rates, which will ruin the zombified economy. Alternatively, they can allow inflation to run high and perpetuate stagflation.

In the past, interest rate hikes every few years have unintentionally triggered debt problems. All the way up to the point where even governments are impossibly overindebted. Then they start choosing the latter and don’t even try to control inflation for fear of bankrupting their companies.

The important question is whether we’ve arrived there. Will central bankers cause a debt catastrophe or allow for stagflation?

Of fact, there are two investments that benefit from either outcome. The first is gold, which is both an inanimate item and thus not vulnerable to the machinations of monetary maniacs (in the long term), and a monetary metal on which societies rely when their government-controlled money fails.

The second is gold’s more youthful and vibrant relative.

 

Nick Hubble
Editor, Fortune & Freedom

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