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|Working in the creative space is no easy calling , and if your field is advertising, this becomes all the more challenging. Because in addition to being at the top of your game when it comes to creating art, you also need to stay updated with all the relevant strategies of your medium.
What's more, things have become specialized to the point where you have experts in every subcategory of advertising as well. One size no longer fits all and while a creative person from mainline advertising may be capable of churning out great pieces of work, they may not necessarily be relevant in the digital space as well. If you are looking for a digital creative agency, you need to make sure you don't settle for just about any creative agency. Sydney has a lot of options and here's why you need to pick one that specializes in the digital space.
Social media and the World Wide Web is an extremely dynamic space. Audience trends literally change every day and so does your strategy. In such a scenario you need an agency that is extremely agile and capable of thinking on its feet. And the only agency that can do this for you is a digital creative agency. Sydney's digital agencies have a keen understanding of the online space. They might be young when compared to some of the more experienced mainline agencies , but they are pros of the digital space. Consider this, something as simple as a six second bumper ad might seem simple enough on the face of it but becomes quite a challenge when it comes to executing it. A typical mainline agency will approach it with all the grandeur of a full-fledged TVC while in fact, it requires the feather touch of a digital ad that is clutter breaking rather than something grandiose. Your best bet for something like this would be a a proper creative agency. Sydney has a number of such agencies that also offer media buying capabilities. On the other hand, the digital space also gives you the option to divide your audience into cohorts. What this means is that you can create micro-content targeted at specific sections of your audience and these sort of insights can only come from a proper digital marketing firm.
If you are still not sure what value a digital agency will add, why not invite pitches from a number of creative agencies? Sydney鈥檚 top agencies will ideally take a pitch brief from you and then conduct a thorough research into your brand and industry. Drawing from industry insights, they will then try and come up with a strong and effective plan for your brand. This will give you a clear sense of the value they can add and will help you make a more informed decision. Even the biggest of brands now resort to specialized digital agencies for their digital marketing efforts and you should take a leaf out of their book. One size does not fit all and this statement rings true for social media marketing as well.
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Home Equity: Your Ace In The Hole
Posted by nick_niesen on November 8th , 2010
Almost 15 years ago, you bought your first home. You聮ve been diligent in working and paying on the mortgage, and finally have more equity than mortgage. Ah, the sweet smell of victory, and home ownership. But are you playing the financial investment game as well as you think? Are you missing out on tax savings, funding strategies , or just plain smart money options? How do you check your equity options versus your tax savings options, to comparative shop and make use of your smart options?
Today, the tax benefits of retaining a mortgage on your home far outweigh the benefits derived from complete home ownership. Mortgage interest is fully tax deductible, and so are some of the options that come with equity lines of credit, second mortgages, or equity mortgages.
Borrowing against the equity in your home in order to pay off credit card debt , fund college educations, fund additions or needed repairs to the home, or to provide startup capital for that dream of owning your own business, is a tax advantage. Interest on first and second mortgages in general is fully tax deductible, and if you聮re borrowing to fund education related expenses, or start that new business , some or all of those expenses are going to be deductible. It聮s a win-win situation.
How is the dollar value you have in your home established? Well, there a couple of different ways that lending institutions determine home equity. If you聮re dealing with a local bank that has held your mortgage since inception, many will not require an appraisal of the home, they will simply use the original established value of the home. Now, if you believe your home to be worth quite a bit more than the original appraisal value, you might want to request a new appraisal , but appraisals aren聮t cheap.
In general mortgage companies will always require a recent appraisal before lending money against residential property. Either way, the equity in your home is established based on the current dollar value of your home, less any monies already owed against the property (that would be your first mortgage). There is an additional piece of information worth noting here. Usually, a lending institution will only lend a certain percentage of the homes value. With the creation of 125 loans, or loans where up to 125 percent of the value of the home is loaned, you may be able to borrow up to that amount , even with a second mortgage. 125 Loans, jumbo loans, and interest only loans are a relatively new market for home mortgages, and not loans that I would recommend, simply because they put the homeowner in a precarious position if the mortgage should be called in, if the home should sell prior to paying the mortgage down , or if a forced sale should occur.
Your home聮s equity is a trump card, if you will adhere to some common sense rules and continue to stay abreast of your individual financial needs.
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