Common Local SEO Errors That You Should Avoid

Your home in Des Plaines is special,but in terms of cleanliness,it’s the same as everyone else’s. It absolutely needs to be cleaned from time to time. For most people,house cleaning is a chore,often deferred for when friends and family come to visit. When it’s done,it looks great,but it costs you time,energy,and money that all could have been spent elsewhere. Wouldn’t it be nice if your home looked that good all the time? You can have it all by using professional house cleaning services in Des Plaines and the surrounding area. Click to learn more.

Reap the Benefits

There are many benefits to using a house cleaning service. These benefits mean that those who have tried a good quality house-cleaning service often never look back.

Sometimes you are feeling motivated,however sometimes you might have an off day. Things like wanting to get to work,get to sleep,feed the kids,or catch the game on television can take the edge off any cleaning routine. A house cleaning service will give you a great result on time every time.

Saving Money and Peace of Mind

Consider how much your time is worth to you (answer: you can’t put a figure on this,it’s priceless),and now consider how much of it you spend cleaning,or rather,how much time you would need to devote to cleaning to achieve the level of cleanliness you deserve. A cleaning service will take of this need for a regular fee that can not only save you time but money too. Learn more aboutDes Plaines house cleaning here.

A clean home is peaceful. You and your guests will feel safer and more looked after.With a professional cleaning service,you can schedule your service to suit you and not have to think about the cleaning problem ever again.

Make sure your house remains a home with the help of a highly-skilled,reliable cleaning staff.

New online entrepreneurs usually balk at the mere mention of SEO,as if it’s one giant puzzle that would take decades for them to learn and solve.

What they don’t realize that like a lot of things,SEO can be learned,even by those practically without knowledge about online marketing.

If you want to your business to have a good online presence,here are what some search engine optimization training specialists in Hong Kong recommend to start reading up on first:

1.) Keywords

Keywords are what makes potential clients find your website out of all the thousands of other pages online. They can short phrases or long ones. The important thing here is you need to research and optimize the keywords relevant to your business.

For example,if you sell pastries and your target clients live in your city,say Hong Kong,you want to focus on keywords that contain those two elements,for example,”tasty macaroons in Hong Kong.”

2.) Content

Of course,you can’t just stuff all keywords on your website. They have to make sense too.

Great,original content is what attract possible customers and learn more about the products or services you’re offering. Think of what people who are likely to buy from you would want to know more about. Make relatable and informative content focusing on those topics and make sure to incorporate the optimized keywords.

3.) Tags and meta-data

Apart from content that can win audiences,you also have to pay attention to how search engine algorithms find your website. Good tags and metadata can increase your chances of ranking higher on search pages. Think of them as your website’s IDs that give search engines information what your website is all about and how that information should be displayed.

As you continue on your SEO learning journey,you will learn many more ways to optimize your website and potentially pull in more clients.

For more information,visit:-

Umbrella Company Pension Schemes – What You Need to Know

Pension schemes help employees put money aside for retirement directly from their wage. The problem for self-employed professionals is that they need to manage this themselves,either by setting up a pension scheme or saving money from their income.

Fortunately,umbrella companies class contractors as employees,giving them all the benefits of employment. That includes a pension scheme,which now requires contribution from the umbrella company too. Let’s take a closer look at the statutory pension schemes available through umbrella companies.

Auto-enrolment pensions

In 2012,the UK Government decided that workers weren’t saving enough for their retirement. People were relying too much on the State Pension,which had not received adequate funding to match the continuing rise in life expectancy and an ageing population.

To combat this,they introduced automatic enrolment. The new system,rolled out from 2012 to 2018,requires employers to automatically enrol eligible employees onto a workplace pension scheme. Employers are also responsible for deducting contributions from their pre-tax income and making a minimum statutory contribution to the employee’s savings.

In October 2012,this minimum contribution was set to 1 percent for employees,which was matched by employers,rising in 2018:

• October 2012 to 5th April 2018: employers 1%,employees 1%
• 6th April 2018 to 5th April 2019: employers 2%,employees 3%
• 6th April 2019 onwards: employers 3%,employees 5%

However for anyone that doesn’t want to contribute to a pension once you’re enrolled you can still opt out.

Umbrella company pension scheme

Working through an umbrella company,contractors are classed as an employee. That means,yes,you are automatically enrolled onto the umbrella company’s pension scheme as long as you meet the following criteria:

• Your work is primarily UK-based
• You earn more than £10,000 per year
• You’re between 22 and the state pension age.

Until 5th April 2019,3% of your pre-tax salary will go directly into a pension fund,with the umbrella company contributing a further 2%. From 6th April 2019,5% of your pre-tax salary will go into the same pension fund,with your umbrella company contributing a further 3%.

The benefits of an umbrella company pension

Some contractors may worry that this will eat away at their wages. Don’t. Pension contributions are made before your wages are taxed. That means anything that goes from your wage into your pension fund is tax-free rather than being taxed at 20% or even 40%. So,instead of receiving 60% of your income,you receive 100% via a pension fund.

Let’s say you earn over £46,351 per year,which puts you in the higher rate band of income tax. Anything you earn beyond that £46,351 per year (roughly £3,863 per month) is taxed at a rate of 40%. You get just £60 for every £100 of income. Why not put the full £100 straight into the pension fund instead?

That’s why many people,especially those in the higher rate band of income tax,choose to put more than the minimum into their pension fund. And this is entirely possible. Contractors can contribute up to £40,000 to their pension scheme per year,comprising tax-free income and employer contributions. Currently,there is a lifetime allowance of £1,030,000 which can be contributed before incurring any tax.

Using your funds

With the increased earnings of contracting,it’s common for contractors to retire early. Alternatively,you might simply want to get some of the money out for a holiday,new car or home improvement. The good news is: you don’t have to wait until the state pension age to access the pension funds you’ve built up through your umbrella company pension.

Once you’re 55 or over,you can access up to 25% of your pension pot as a tax-free lump sum. Anything beyond the 25% will be taxed as an addition to the rest of your income that tax year – either 20% over £11,850,40% over £46,351 or £45% over £150,000,as things currently stand. That’s why most people choose to take their pension as regular income once they have retired,to minimise the amount of tax paid.

What about limited companies?

Contractors who operate as a limited company can still benefit from the tax relief of a pension scheme. However,as with most things relating to limited companies,this requires a lot more effort on their part. Firstly,they have to get the right balance between salary and dividend payments to increase the limit on their pension contributions.

Because employer contributions,such as pensions,count as a business expense,they are subject to tax relief. So,when you contribute to your pension scheme,as a director,the company could save money in corporation tax.

However,this has added complications because it needs to be fully compliant as an allowable expense. Any other employees,for example,should be given comparable packages to prove to HMRC that it is a genuine business expense.

On top of all that,using a limited company pension scheme means setting up and paying into the pension fund yourself. Along with all the other administrative work for limited company owners,it’s definitely worth seeking advice and assistant from a trusted accountant.

Get the right assistance

Whether you’re looking to compare umbrella companies or find the right accountant,you can make the right choice with -. Our online comparison tool lets you assess multiple companies in a matter of minutes. It couldn’t be easier to take the hassle out of contracting. Contact us today for more information.